Home > Security Bank & Trust Company > Performance and Condition Ratios
Security Bank & Trust Company, Performance and Condition Ratios
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2677% | 2,411 |
| Cost of funding earning assets | 1.9022% | 2,358 |
| Net interest margin | 3.3655% | 2,264 |
| Noninterest income to average assets | 0.4800% | 1,948 |
| Noninterest expense to average assets | 2.2718% | 2,866 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 1.2935% | 1,271 |
| Return on assets (ROA) | 1.2935% | 1,284 |
| Pretax return on assets | 1.3912% | 1,495 |
| Return on Equity (ROE) | 14.6500% | 1,040 |
| Retained earnings to average equity (ytd only) | 14.6476% | 307 |
| Net charge-offs to loans | 0.0132% | 1,945 |
| Credit loss provision to net charge-offs | 496.2264% | 639 |
| Earnings coverage of net charge-offs (x) | 151.6792% | 601 |
| Efficiency ratio | 58.1382% | 3,378 |
| Assets per employee ($millions) | 7.4588% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 3,455 |
| Loan loss allowance to noncurrent loans | 423.2763% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 2,137 |
| Noncurrent loans to loans | 0.2278% | 2,578 |
| Net loans and leases to total assets | 73.5000% | 1,474 |
| Net loans and leases to deposits | 80.9923% | 2,116 |
| Net loans and leases to core deposits | 88.2120% | 2,257 |
| Total domestic deposits to total assets | 90.7500% | 516 |
| Equity capital to assets | 8.8698% | 2,827 |
| Core capital (leverage) ratio | 8.7112% | 3,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4668% | 2,085 |
| Memoranda: | ||
| Average total assets | $1,115,579,333 | 923 |
| Average earning assets | $1,073,072,333 | 882 |
| Average equity | $98,514,667 | 1,016 |
| Average total loans | $802,044,000 | 895 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9241% | 2,939 |
| Cost of funding earning assets | 1.8937% | 2,264 |
| Net interest margin | 3.0304% | 2,923 |
| Noninterest income to average assets | 0.4600% | 1,966 |
| Noninterest expense to average assets | 2.0847% | 3,363 |
| Loan and lease loss provision to assets | 0.1400% | 749 |
| Net operating income to assets | 1.1440% | 1,562 |
| Return on assets (ROA) | 1.1440% | 1,573 |
| Pretax return on assets | 1.1533% | 2,004 |
| Return on Equity (ROE) | 13.7500% | 1,190 |
| Retained earnings to average equity (ytd only) | 13.7480% | 530 |
| Net charge-offs to loans | 0.0008% | 2,211 |
| Credit loss provision to net charge-offs | 28,300.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 2,509.0000% | 21 |
| Efficiency ratio | 59.2661% | 3,328 |
| Assets per employee ($millions) | 7.5263% | 1,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0388% | 3,110 |
| Loan loss allowance to noncurrent loans | 273.3903% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.4000% | 1,537 |
| Noncurrent loans to loans | 0.3800% | 1,991 |
| Net loans and leases to total assets | 63.7000% | 2,503 |
| Net loans and leases to deposits | 69.4008% | 2,941 |
| Net loans and leases to core deposits | 75.1917% | 3,027 |
| Total domestic deposits to total assets | 91.7800% | 371 |
| Equity capital to assets | 7.9818% | 3,378 |
| Core capital (leverage) ratio | 7.8270% | 4,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4803% | 2,084 |
| Memoranda: | ||
| Average total assets | $773,430,500 | 1,249 |
| Average earning assets | $747,106,500 | 1,207 |
| Average equity | $64,358,500 | 1,386 |
| Average total loans | $488,456,500 | 1,303 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4479% | 3,193 |
| Cost of funding earning assets | 1.4056% | 2,216 |
| Net interest margin | 3.0422% | 3,198 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 1.8935% | 3,849 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.4146% | 1,192 |
| Return on assets (ROA) | 1.4147% | 1,163 |
| Pretax return on assets | 1.5501% | 1,328 |
| Return on Equity (ROE) | 16.4800% | 1,020 |
| Retained earnings to average equity (ytd only) | -3.4734% | 4,350 |
| Net charge-offs to loans | 0.1313% | 751 |
| Credit loss provision to net charge-offs | 11.8830% | 2,335 |
| Earnings coverage of net charge-offs (x) | 20.7733% | 1,850 |
| Efficiency ratio | 53.9390% | 3,681 |
| Assets per employee ($millions) | 7.7266% | 1,574 |
| Cash dividends to net income (ytd only)* | 121.0725% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 2,622 |
| Loan loss allowance to noncurrent loans | 205.2988% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.3420% | 1,595 |
| Noncurrent loans to loans | 0.5532% | 1,416 |
| Net loans and leases to total assets | 61.1100% | 2,750 |
| Net loans and leases to deposits | 67.0679% | 3,103 |
| Net loans and leases to core deposits | 71.3356% | 3,228 |
| Total domestic deposits to total assets | 91.1200% | 473 |
| Equity capital to assets | 8.6970% | 2,906 |
| Core capital (leverage) ratio | 9.0650% | 3,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5621% | 1,168 |
| Memoranda: | ||
| Average total assets | $713,162,000 | 1,287 |
| Average earning assets | $693,075,000 | 1,246 |
| Average equity | $61,208,000 | 1,375 |
| Average total loans | $416,737,200 | 1,434 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3327% | 3,232 |
| Cost of funding earning assets | 1.2980% | 2,153 |
| Net interest margin | 3.0347% | 3,269 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 1.8295% | 3,926 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4726% | 1,183 |
| Return on assets (ROA) | 1.4728% | 1,166 |
| Pretax return on assets | 1.6345% | 1,290 |
| Return on Equity (ROE) | 17.2200% | 1,040 |
| Retained earnings to average equity (ytd only) | -9.6776% | 4,502 |
| Net charge-offs to loans | 0.0036% | 2,377 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 788.9091% | 202 |
| Efficiency ratio | 52.3978% | 3,724 |
| Assets per employee ($millions) | 7.4631% | 1,661 |
| Cash dividends to net income (ytd only)* | 156.2020% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3268% | 1,755 |
| Loan loss allowance to noncurrent loans | 198.2376% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.4001% | 1,443 |
| Noncurrent loans to loans | 0.6693% | 1,234 |
| Net loans and leases to total assets | 58.9900% | 2,942 |
| Net loans and leases to deposits | 64.3048% | 3,245 |
| Net loans and leases to core deposits | 67.8780% | 3,334 |
| Total domestic deposits to total assets | 91.7400% | 507 |
| Equity capital to assets | 7.9905% | 3,065 |
| Core capital (leverage) ratio | 9.0450% | 3,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8337% | 1,129 |
| Memoranda: | ||
| Average total assets | $707,946,250 | 1,292 |
| Average earning assets | $688,815,750 | 1,248 |
| Average equity | $60,550,500 | 1,372 |
| Average total loans | $407,493,000 | 1,450 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2363% | 3,215 |
| Cost of funding earning assets | 1.1800% | 2,052 |
| Net interest margin | 3.0563% | 3,313 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 1.8773% | 3,865 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4486% | 1,217 |
| Return on assets (ROA) | 1.4488% | 1,202 |
| Pretax return on assets | 1.6145% | 1,382 |
| Return on Equity (ROE) | 16.5800% | 1,169 |
| Retained earnings to average equity (ytd only) | -4.8149% | 4,414 |
| Net charge-offs to loans | 0.0045% | 2,124 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 634.5556% | 231 |
| Efficiency ratio | 53.2664% | 3,670 |
| Assets per employee ($millions) | 7.3948% | 1,670 |
| Cash dividends to net income (ytd only)* | 129.0480% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3731% | 1,631 |
| Loan loss allowance to noncurrent loans | 412.4633% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.1942% | 2,224 |
| Noncurrent loans to loans | 0.3329% | 1,938 |
| Net loans and leases to total assets | 57.5200% | 3,003 |
| Net loans and leases to deposits | 63.1616% | 3,243 |
| Net loans and leases to core deposits | 66.3312% | 3,335 |
| Total domestic deposits to total assets | 91.0700% | 627 |
| Equity capital to assets | 8.7286% | 2,702 |
| Core capital (leverage) ratio | 9.6710% | 3,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3657% | 904 |
| Memoranda: | ||
| Average total assets | $707,597,333 | 1,286 |
| Average earning assets | $688,290,333 | 1,243 |
| Average equity | $61,850,000 | 1,358 |
| Average total loans | $402,030,667 | 1,450 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0056% | 3,445 |
| Cost of funding earning assets | 1.0702% | 1,838 |
| Net interest margin | 2.9354% | 3,728 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 1.8785% | 3,901 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2668% | 1,762 |
| Return on assets (ROA) | 1.2673% | 1,726 |
| Pretax return on assets | 1.4313% | 1,811 |
| Return on Equity (ROE) | 14.4900% | 1,664 |
| Retained earnings to average equity (ytd only) | -28.1089% | 4,633 |
| Net charge-offs to loans | 0.0090% | 1,605 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 282.2222% | 385 |
| Efficiency ratio | 56.0851% | 3,403 |
| Assets per employee ($millions) | 7.2174% | 1,806 |
| Cash dividends to net income (ytd only)* | 294.0000% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4122% | 1,576 |
| Loan loss allowance to noncurrent loans | 843.4783% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.0943% | 2,872 |
| Noncurrent loans to loans | 0.1674% | 2,656 |
| Net loans and leases to total assets | 55.5300% | 3,068 |
| Net loans and leases to deposits | 60.8974% | 3,283 |
| Net loans and leases to core deposits | 62.6873% | 3,409 |
| Total domestic deposits to total assets | 91.1800% | 743 |
| Equity capital to assets | 8.5530% | 2,849 |
| Core capital (leverage) ratio | 9.2437% | 3,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4575% | 913 |
| Memoranda: | ||
| Average total assets | $710,144,500 | 1,301 |
| Average earning assets | $690,334,500 | 1,255 |
| Average equity | $62,115,500 | 1,360 |
| Average total loans | $398,186,500 | 1,477 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1727% | 3,867 |
| Cost of funding earning assets | 0.3476% | 2,497 |
| Net interest margin | 2.8251% | 3,838 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 1.8240% | 3,984 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4040% | 1,121 |
| Return on assets (ROA) | 1.4034% | 1,084 |
| Pretax return on assets | 1.5434% | 1,312 |
| Return on Equity (ROE) | 15.9500% | 1,065 |
| Retained earnings to average equity (ytd only) | 7.9899% | 1,835 |
| Net charge-offs to loans | -0.0132% | 3,918 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.4989% | 3,833 |
| Assets per employee ($millions) | 7.3503% | 1,722 |
| Cash dividends to net income (ytd only)* | 49.9201% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4159% | 1,448 |
| Loan loss allowance to noncurrent loans | 744.3857% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 2,779 |
| Noncurrent loans to loans | 0.1902% | 2,532 |
| Net loans and leases to total assets | 55.0300% | 3,115 |
| Net loans and leases to deposits | 60.4795% | 3,303 |
| Net loans and leases to core deposits | 62.0457% | 3,388 |
| Total domestic deposits to total assets | 90.9900% | 963 |
| Equity capital to assets | 8.9392% | 2,398 |
| Core capital (leverage) ratio | 9.7733% | 2,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7775% | 748 |
| Memoranda: | ||
| Average total assets | $713,670,400 | 1,293 |
| Average earning assets | $694,550,000 | 1,244 |
| Average equity | $62,779,600 | 1,348 |
| Average total loans | $379,395,000 | 1,459 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9192% | 4,035 |
| Cost of funding earning assets | 0.2271% | 2,960 |
| Net interest margin | 2.6921% | 3,945 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 1.7804% | 4,016 |
| Loan and lease loss provision to assets | -0.1500% | 4,632 |
| Net operating income to assets | 1.4665% | 916 |
| Return on assets (ROA) | 1.4658% | 904 |
| Pretax return on assets | 1.6106% | 1,095 |
| Return on Equity (ROE) | 16.7300% | 851 |
| Retained earnings to average equity (ytd only) | 6.0716% | 2,730 |
| Net charge-offs to loans | -0.0174% | 3,943 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.2255% | 3,804 |
| Assets per employee ($millions) | 7.1317% | 1,855 |
| Cash dividends to net income (ytd only)* | 63.7105% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 2,331 |
| Loan loss allowance to noncurrent loans | 626.1658% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.1093% | 2,866 |
| Noncurrent loans to loans | 0.1978% | 2,611 |
| Net loans and leases to total assets | 54.6000% | 3,041 |
| Net loans and leases to deposits | 59.8070% | 3,213 |
| Net loans and leases to core deposits | 61.3244% | 3,278 |
| Total domestic deposits to total assets | 91.2900% | 1,127 |
| Equity capital to assets | 8.5414% | 2,514 |
| Core capital (leverage) ratio | 9.5869% | 2,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1903% | 834 |
| Memoranda: | ||
| Average total assets | $713,843,000 | 1,304 |
| Average earning assets | $695,013,750 | 1,249 |
| Average equity | $62,540,750 | 1,370 |
| Average total loans | $374,747,000 | 1,466 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6546% | 4,212 |
| Cost of funding earning assets | 0.1830% | 3,144 |
| Net interest margin | 2.4716% | 4,130 |
| Noninterest income to average assets | 0.6613% | 1,494 |
| Noninterest expense to average assets | 1.7905% | 3,984 |
| Loan and lease loss provision to assets | -0.2233% | 4,691 |
| Net operating income to assets | 1.3583% | 1,004 |
| Return on assets (ROA) | 1.3573% | 987 |
| Pretax return on assets | 1.4991% | 1,169 |
| Return on Equity (ROE) | 15.3652% | 820 |
| Retained earnings to average equity (ytd only) | -0.4361% | 4,233 |
| Net charge-offs to loans | 0.0005% | 2,143 |
| Credit loss provision to net charge-offs | -80,000.0000% | 3,919 |
| Earnings coverage of net charge-offs (x) | 4,574.0000% | 12 |
| Efficiency ratio | 57.6538% | 3,608 |
| Assets per employee ($millions) | 7.1706% | 1,830 |
| Cash dividends to net income (ytd only)* | 102.8383% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2900% | 2,238 |
| Loan loss allowance to noncurrent loans | 640.4284% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.1063% | 2,966 |
| Noncurrent loans to loans | 0.2014% | 2,703 |
| Net loans and leases to total assets | 52.0946% | 3,142 |
| Net loans and leases to deposits | 57.2060% | 3,291 |
| Net loans and leases to core deposits | 58.3732% | 3,399 |
| Total domestic deposits to total assets | 91.0650% | 1,199 |
| Equity capital to assets | 8.8059% | 2,527 |
| Core capital (leverage) ratio | 8.9792% | 3,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0173% | 852 |
| Memoranda: | ||
| Average total assets | $716,443,333 | 1,294 |
| Average earning assets | $697,430,333 | 1,252 |
| Average equity | $63,285,667 | 1,386 |
| Average total loans | $369,562,667 | 1,477 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4843% | 4,287 |
| Cost of funding earning assets | 0.1544% | 3,441 |
| Net interest margin | 2.3299% | 4,186 |
| Noninterest income to average assets | 0.6150% | 1,629 |
| Noninterest expense to average assets | 1.7658% | 4,019 |
| Loan and lease loss provision to assets | -0.4424% | 4,749 |
| Net operating income to assets | 1.4155% | 768 |
| Return on assets (ROA) | 1.4135% | 766 |
| Pretax return on assets | 1.5595% | 902 |
| Return on Equity (ROE) | 15.9780% | 538 |
| Retained earnings to average equity (ytd only) | -15.2779% | 4,644 |
| Net charge-offs to loans | 0.0022% | 1,741 |
| Credit loss provision to net charge-offs | -40,000.0000% | 3,616 |
| Earnings coverage of net charge-offs (x) | 1,012.0000% | 80 |
| Efficiency ratio | 60.4370% | 3,442 |
| Assets per employee ($millions) | 7.3544% | 1,769 |
| Cash dividends to net income (ytd only)* | 195.6182% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 2,179 |
| Loan loss allowance to noncurrent loans | 618.8875% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 3,069 |
| Noncurrent loans to loans | 0.2162% | 2,737 |
| Net loans and leases to total assets | 48.4479% | 3,335 |
| Net loans and leases to deposits | 52.9427% | 3,497 |
| Net loans and leases to core deposits | 53.9657% | 3,593 |
| Total domestic deposits to total assets | 91.5101% | 801 |
| Equity capital to assets | 8.3815% | 3,259 |
| Core capital (leverage) ratio | 8.8041% | 3,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0568% | 897 |
| Memoranda: | ||
| Average total assets | $723,303,500 | 1,290 |
| Average earning assets | $704,740,500 | 1,253 |
| Average equity | $63,988,000 | 1,415 |
| Average total loans | $368,911,500 | 1,463 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8882% | 4,074 |
| Cost of funding earning assets | 0.2656% | 2,749 |
| Net interest margin | 2.6226% | 4,018 |
| Noninterest income to average assets | 0.6455% | 1,961 |
| Noninterest expense to average assets | 1.7250% | 4,264 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3440% | 1,464 |
| Return on assets (ROA) | 1.3432% | 1,501 |
| Pretax return on assets | 1.4725% | 1,808 |
| Return on Equity (ROE) | 14.7300% | 1,014 |
| Retained earnings to average equity (ytd only) | 10.1066% | 890 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2405% | 4,006 |
| Assets per employee ($millions) | 7.0443% | 1,897 |
| Cash dividends to net income (ytd only)* | 31.3873% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4686% | 1,668 |
| Loan loss allowance to noncurrent loans | 520.9888% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 2,903 |
| Noncurrent loans to loans | 0.2819% | 2,592 |
| Net loans and leases to total assets | 52.1504% | 3,046 |
| Net loans and leases to deposits | 57.5442% | 3,293 |
| Net loans and leases to core deposits | 58.8460% | 3,403 |
| Total domestic deposits to total assets | 90.6267% | 656 |
| Equity capital to assets | 9.3179% | 3,299 |
| Core capital (leverage) ratio | 9.2457% | 3,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0555% | 886 |
| Memoranda: | ||
| Average total assets | $711,580,000 | 1,272 |
| Average earning assets | $692,675,400 | 1,232 |
| Average equity | $64,888,000 | 1,426 |
| Average total loans | $383,268,400 | 1,419 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9830% | 4,036 |
| Cost of funding earning assets | 0.2921% | 2,664 |
| Net interest margin | 2.6909% | 3,999 |
| Noninterest income to average assets | 0.6334% | 2,083 |
| Noninterest expense to average assets | 1.6861% | 4,348 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5652% | 1,115 |
| Return on assets (ROA) | 1.5641% | 1,162 |
| Pretax return on assets | 1.5659% | 1,804 |
| Return on Equity (ROE) | 17.2472% | 733 |
| Retained earnings to average equity (ytd only) | 11.0335% | 1,061 |
| Net charge-offs to loans | -0.0003% | 3,071 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1432% | 4,111 |
| Assets per employee ($millions) | 6.8978% | 1,940 |
| Cash dividends to net income (ytd only)* | 36.0274% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4922% | 1,662 |
| Loan loss allowance to noncurrent loans | 505.5204% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.1602% | 3,051 |
| Noncurrent loans to loans | 0.2952% | 2,731 |
| Net loans and leases to total assets | 53.4613% | 3,031 |
| Net loans and leases to deposits | 59.3127% | 3,292 |
| Net loans and leases to core deposits | 60.9352% | 3,406 |
| Total domestic deposits to total assets | 90.1347% | 713 |
| Equity capital to assets | 9.6835% | 3,208 |
| Core capital (leverage) ratio | 8.9826% | 3,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2253% | 923 |
| Memoranda: | ||
| Average total assets | $709,845,500 | 1,294 |
| Average earning assets | $691,105,000 | 1,249 |
| Average equity | $64,372,250 | 1,451 |
| Average total loans | $384,011,750 | 1,449 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1322% | 3,799 |
| Cost of funding earning assets | 0.3197% | 2,587 |
| Net interest margin | 2.8125% | 3,766 |
| Noninterest income to average assets | 0.6450% | 2,018 |
| Noninterest expense to average assets | 1.6870% | 4,378 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6932% | 886 |
| Return on assets (ROA) | 1.6915% | 933 |
| Pretax return on assets | 1.6943% | 1,488 |
| Return on Equity (ROE) | 19.0672% | 537 |
| Retained earnings to average equity (ytd only) | 9.6280% | 1,518 |
| Net charge-offs to loans | -0.0005% | 3,045 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2162% | 4,299 |
| Assets per employee ($millions) | 7.2934% | 1,598 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4867% | 1,635 |
| Loan loss allowance to noncurrent loans | 492.1586% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 3,224 |
| Noncurrent loans to loans | 0.3021% | 2,845 |
| Net loans and leases to total assets | 50.7497% | 3,479 |
| Net loans and leases to deposits | 55.7976% | 3,726 |
| Net loans and leases to core deposits | 57.5656% | 3,790 |
| Total domestic deposits to total assets | 90.9532% | 391 |
| Equity capital to assets | 8.9047% | 3,882 |
| Core capital (leverage) ratio | 8.4250% | 4,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6865% | 1,006 |
| Memoranda: | ||
| Average total assets | $716,533,667 | 1,275 |
| Average earning assets | $697,518,000 | 1,223 |
| Average equity | $63,564,667 | 1,453 |
| Average total loans | $387,231,667 | 1,450 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3514% | 3,337 |
| Cost of funding earning assets | 0.3612% | 2,435 |
| Net interest margin | 2.9902% | 3,285 |
| Noninterest income to average assets | 0.6438% | 2,053 |
| Noninterest expense to average assets | 1.6763% | 4,420 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8774% | 690 |
| Return on assets (ROA) | 1.8740% | 743 |
| Pretax return on assets | 1.8740% | 1,153 |
| Return on Equity (ROE) | 21.1661% | 453 |
| Retained earnings to average equity (ytd only) | 2.0804% | 3,990 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5367% | 4,433 |
| Assets per employee ($millions) | 6.9389% | 1,835 |
| Cash dividends to net income (ytd only)* | 90.1713% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 1,738 |
| Loan loss allowance to noncurrent loans | 277.4466% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.2737% | 2,787 |
| Noncurrent loans to loans | 0.5262% | 2,278 |
| Net loans and leases to total assets | 51.2526% | 3,516 |
| Net loans and leases to deposits | 56.0893% | 3,780 |
| Net loans and leases to core deposits | 57.8306% | 3,848 |
| Total domestic deposits to total assets | 91.3769% | 266 |
| Equity capital to assets | 8.5173% | 4,099 |
| Core capital (leverage) ratio | 8.4784% | 4,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9138% | 1,084 |
| Memoranda: | ||
| Average total assets | $710,129,500 | 1,272 |
| Average earning assets | $691,054,500 | 1,231 |
| Average equity | $62,874,000 | 1,456 |
| Average total loans | $392,985,000 | 1,440 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6124% | 3,776 |
| Cost of funding earning assets | 0.6170% | 2,199 |
| Net interest margin | 2.9954% | 3,897 |
| Noninterest income to average assets | 0.6190% | 2,145 |
| Noninterest expense to average assets | 1.8764% | 4,357 |
| Loan and lease loss provision to assets | 0.0680% | 3,527 |
| Net operating income to assets | 1.5728% | 679 |
| Return on assets (ROA) | 1.5728% | 739 |
| Pretax return on assets | 1.5743% | 1,124 |
| Return on Equity (ROE) | 17.0649% | 406 |
| Retained earnings to average equity (ytd only) | 4.4267% | 2,580 |
| Net charge-offs to loans | -0.0005% | 3,903 |
| Credit loss provision to net charge-offs | -21,900.0000% | 4,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6283% | 4,336 |
| Assets per employee ($millions) | 6.8473% | 1,679 |
| Cash dividends to net income (ytd only)* | 74.0594% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 2,028 |
| Loan loss allowance to noncurrent loans | 274.4472% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.2972% | 2,811 |
| Noncurrent loans to loans | 0.5045% | 2,460 |
| Net loans and leases to total assets | 58.0991% | 3,074 |
| Net loans and leases to deposits | 64.0581% | 3,433 |
| Net loans and leases to core deposits | 66.2584% | 3,523 |
| Total domestic deposits to total assets | 90.6974% | 302 |
| Equity capital to assets | 9.2154% | 3,873 |
| Core capital (leverage) ratio | 8.4938% | 4,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6374% | 1,366 |
| Memoranda: | ||
| Average total assets | $643,891,200 | 1,259 |
| Average earning assets | $623,320,000 | 1,222 |
| Average equity | $59,344,200 | 1,457 |
| Average total loans | $391,450,200 | 1,390 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7692% | 3,646 |
| Cost of funding earning assets | 0.6665% | 2,220 |
| Net interest margin | 3.1028% | 3,730 |
| Noninterest income to average assets | 0.5477% | 2,392 |
| Noninterest expense to average assets | 1.8507% | 4,409 |
| Loan and lease loss provision to assets | 0.0526% | 3,696 |
| Net operating income to assets | 1.6437% | 657 |
| Return on assets (ROA) | 1.6437% | 729 |
| Pretax return on assets | 1.6458% | 1,077 |
| Return on Equity (ROE) | 17.8336% | 374 |
| Retained earnings to average equity (ytd only) | 0.7122% | 4,335 |
| Net charge-offs to loans | -0.0003% | 3,772 |
| Credit loss provision to net charge-offs | -25,000.0000% | 4,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4406% | 4,385 |
| Assets per employee ($millions) | 7.0641% | 1,456 |
| Cash dividends to net income (ytd only)* | 96.0061% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 2,024 |
| Loan loss allowance to noncurrent loans | 442.7400% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.2153% | 3,365 |
| Noncurrent loans to loans | 0.3014% | 3,199 |
| Net loans and leases to total assets | 57.0671% | 3,516 |
| Net loans and leases to deposits | 62.6920% | 3,889 |
| Net loans and leases to core deposits | 64.7805% | 3,966 |
| Total domestic deposits to total assets | 91.0278% | 168 |
| Equity capital to assets | 8.7621% | 4,282 |
| Core capital (leverage) ratio | 8.2610% | 4,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2642% | 1,431 |
| Memoranda: | ||
| Average total assets | $633,680,500 | 1,265 |
| Average earning assets | $612,983,000 | 1,223 |
| Average equity | $58,405,000 | 1,470 |
| Average total loans | $388,460,500 | 1,390 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0709% | 3,123 |
| Cost of funding earning assets | 0.7282% | 2,247 |
| Net interest margin | 3.3427% | 3,261 |
| Noninterest income to average assets | 0.5590% | 2,307 |
| Noninterest expense to average assets | 1.9539% | 4,322 |
| Loan and lease loss provision to assets | 0.0206% | 3,985 |
| Net operating income to assets | 1.8104% | 488 |
| Return on assets (ROA) | 1.8104% | 538 |
| Pretax return on assets | 1.8137% | 793 |
| Return on Equity (ROE) | 19.2803% | 281 |
| Retained earnings to average equity (ytd only) | -6.8306% | 4,846 |
| Net charge-offs to loans | -0.0005% | 3,724 |
| Credit loss provision to net charge-offs | -6,300.0000% | 4,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8975% | 4,450 |
| Assets per employee ($millions) | 6.7167% | 1,618 |
| Cash dividends to net income (ytd only)* | 135.4280% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 2,214 |
| Loan loss allowance to noncurrent loans | 318.9835% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.2775% | 3,213 |
| Noncurrent loans to loans | 0.3943% | 2,989 |
| Net loans and leases to total assets | 61.4947% | 3,168 |
| Net loans and leases to deposits | 67.6627% | 3,597 |
| Net loans and leases to core deposits | 70.1549% | 3,693 |
| Total domestic deposits to total assets | 90.8842% | 175 |
| Equity capital to assets | 8.9194% | 4,156 |
| Core capital (leverage) ratio | 8.4212% | 4,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9217% | 1,850 |
| Memoranda: | ||
| Average total assets | $611,790,667 | 1,274 |
| Average earning assets | $591,018,333 | 1,234 |
| Average equity | $57,447,333 | 1,477 |
| Average total loans | $383,115,333 | 1,385 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8474% | 4,138 |
| Cost of funding earning assets | 0.8271% | 2,237 |
| Net interest margin | 3.0203% | 4,247 |
| Noninterest income to average assets | 0.5174% | 2,459 |
| Noninterest expense to average assets | 2.0635% | 4,287 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3643% | 1,070 |
| Return on assets (ROA) | 1.3643% | 1,151 |
| Pretax return on assets | 1.3643% | 1,674 |
| Return on Equity (ROE) | 14.1270% | 672 |
| Retained earnings to average equity (ytd only) | -38.9553% | 5,068 |
| Net charge-offs to loans | -0.0011% | 3,610 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4018% | 3,818 |
| Assets per employee ($millions) | 6.1349% | 1,575 |
| Cash dividends to net income (ytd only)* | 375.7515% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3662% | 1,827 |
| Loan loss allowance to noncurrent loans | 306.8575% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.3246% | 3,148 |
| Noncurrent loans to loans | 0.4452% | 2,918 |
| Net loans and leases to total assets | 63.0805% | 3,179 |
| Net loans and leases to deposits | 69.7322% | 3,614 |
| Net loans and leases to core deposits | 72.6821% | 3,720 |
| Total domestic deposits to total assets | 90.4611% | 203 |
| Equity capital to assets | 9.3555% | 4,350 |
| Core capital (leverage) ratio | 8.7277% | 4,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2973% | 2,151 |
| Memoranda: | ||
| Average total assets | $585,207,000 | 1,284 |
| Average earning assets | $563,909,000 | 1,246 |
| Average equity | $56,516,000 | 1,489 |
| Average total loans | $367,611,500 | 1,394 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9897% | 4,283 |
| Cost of funding earning assets | 0.9432% | 1,990 |
| Net interest margin | 3.0465% | 4,455 |
| Noninterest income to average assets | 0.8014% | 1,449 |
| Noninterest expense to average assets | 2.2473% | 4,069 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4711% | 1,126 |
| Return on assets (ROA) | 1.4737% | 1,178 |
| Pretax return on assets | 1.4761% | 1,882 |
| Return on Equity (ROE) | 14.9155% | 701 |
| Retained earnings to average equity (ytd only) | 5.1973% | 2,313 |
| Net charge-offs to loans | 0.1055% | 1,673 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 22.5424% | 1,845 |
| Efficiency ratio | 59.7836% | 3,730 |
| Assets per employee ($millions) | 5.9945% | 1,640 |
| Cash dividends to net income (ytd only)* | 65.1547% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4349% | 1,410 |
| Loan loss allowance to noncurrent loans | 295.8597% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.3395% | 3,055 |
| Noncurrent loans to loans | 0.4850% | 2,734 |
| Net loans and leases to total assets | 60.7809% | 3,526 |
| Net loans and leases to deposits | 67.6211% | 3,848 |
| Net loans and leases to core deposits | 70.5940% | 3,932 |
| Total domestic deposits to total assets | 89.8846% | 359 |
| Equity capital to assets | 9.9632% | 3,957 |
| Core capital (leverage) ratio | 9.7386% | 3,804 |
| Tier 1 risk-based capital ratio | 15.1921% | 2,703 |
| Total risk-based capital ratio | 16.4439% | 2,635 |
| Memoranda: | ||
| Average total assets | $541,574,800 | 1,325 |
| Average earning assets | $518,988,000 | 1,293 |
| Average equity | $53,508,200 | 1,509 |
| Average total loans | $335,568,600 | 1,475 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0038% | 4,354 |
| Cost of funding earning assets | 0.9574% | 1,956 |
| Net interest margin | 3.0464% | 4,566 |
| Noninterest income to average assets | 0.8023% | 1,417 |
| Noninterest expense to average assets | 2.1906% | 4,199 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5272% | 1,116 |
| Return on assets (ROA) | 1.5302% | 1,167 |
| Pretax return on assets | 1.5334% | 1,859 |
| Return on Equity (ROE) | 15.5232% | 680 |
| Retained earnings to average equity (ytd only) | 2.2925% | 4,175 |
| Net charge-offs to loans | 0.0441% | 2,209 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 55.9816% | 1,109 |
| Efficiency ratio | 58.2974% | 3,894 |
| Assets per employee ($millions) | 5.7573% | 1,799 |
| Cash dividends to net income (ytd only)* | 85.2320% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5833% | 1,025 |
| Loan loss allowance to noncurrent loans | 239.0687% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.4444% | 2,748 |
| Noncurrent loans to loans | 0.6623% | 2,301 |
| Net loans and leases to total assets | 58.7924% | 3,798 |
| Net loans and leases to deposits | 65.4280% | 4,102 |
| Net loans and leases to core deposits | 68.0315% | 4,174 |
| Total domestic deposits to total assets | 89.8582% | 323 |
| Equity capital to assets | 9.8436% | 4,166 |
| Core capital (leverage) ratio | 9.8092% | 3,844 |
| Tier 1 risk-based capital ratio | 15.1817% | 2,766 |
| Total risk-based capital ratio | 16.4350% | 2,696 |
| Memoranda: | ||
| Average total assets | $531,601,750 | 1,350 |
| Average earning assets | $509,304,000 | 1,316 |
| Average equity | $52,402,000 | 1,533 |
| Average total loans | $329,819,250 | 1,513 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9387% | 4,498 |
| Cost of funding earning assets | 0.9388% | 1,971 |
| Net interest margin | 2.9999% | 4,687 |
| Noninterest income to average assets | 0.7741% | 1,431 |
| Noninterest expense to average assets | 2.2490% | 4,130 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3951% | 1,451 |
| Return on assets (ROA) | 1.3951% | 1,507 |
| Pretax return on assets | 1.4001% | 2,210 |
| Return on Equity (ROE) | 14.1457% | 945 |
| Retained earnings to average equity (ytd only) | -6.1797% | 5,095 |
| Net charge-offs to loans | 0.0760% | 1,609 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 29.2903% | 1,491 |
| Efficiency ratio | 61.1029% | 3,568 |
| Assets per employee ($millions) | 5.2555% | 2,195 |
| Cash dividends to net income (ytd only)* | 143.6861% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5753% | 1,085 |
| Loan loss allowance to noncurrent loans | 140.9282% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.7786% | 1,791 |
| Noncurrent loans to loans | 1.1178% | 1,459 |
| Net loans and leases to total assets | 63.9023% | 3,353 |
| Net loans and leases to deposits | 71.2876% | 3,742 |
| Net loans and leases to core deposits | 73.9386% | 3,896 |
| Total domestic deposits to total assets | 89.6402% | 432 |
| Equity capital to assets | 10.0881% | 3,902 |
| Core capital (leverage) ratio | 10.0571% | 3,527 |
| Tier 1 risk-based capital ratio | 14.6488% | 2,997 |
| Total risk-based capital ratio | 15.9021% | 2,922 |
| Memoranda: | ||
| Average total assets | $518,810,000 | 1,381 |
| Average earning assets | $497,218,330 | 1,340 |
| Average equity | $51,167,330 | 1,558 |
| Average total loans | $326,261,000 | 1,529 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7053% | 4,843 |
| Cost of funding earning assets | 0.8798% | 2,097 |
| Net interest margin | 2.8255% | 4,964 |
| Noninterest income to average assets | 0.6356% | 1,883 |
| Noninterest expense to average assets | 2.2195% | 4,217 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1237% | 2,377 |
| Return on assets (ROA) | 1.1237% | 2,423 |
| Pretax return on assets | 1.1253% | 3,071 |
| Return on Equity (ROE) | 11.5282% | 1,722 |
| Retained earnings to average equity (ytd only) | -29.8714% | 5,304 |
| Net charge-offs to loans | -0.0489% | 4,823 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7773% | 2,968 |
| Assets per employee ($millions) | 5.1436% | 2,343 |
| Cash dividends to net income (ytd only)* | 359.1160% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 824 |
| Loan loss allowance to noncurrent loans | 105.5058% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 1.0790% | 1,282 |
| Noncurrent loans to loans | 1.6294% | 969 |
| Net loans and leases to total assets | 61.5546% | 3,545 |
| Net loans and leases to deposits | 68.2482% | 3,905 |
| Net loans and leases to core deposits | 70.8138% | 4,019 |
| Total domestic deposits to total assets | 90.1924% | 390 |
| Equity capital to assets | 9.5994% | 4,165 |
| Core capital (leverage) ratio | 9.9152% | 3,693 |
| Tier 1 risk-based capital ratio | 14.8068% | 2,959 |
| Total risk-based capital ratio | 16.0618% | 2,892 |
| Memoranda: | ||
| Average total assets | $515,439,000 | 1,402 |
| Average earning assets | $494,205,500 | 1,357 |
| Average equity | $50,242,000 | 1,570 |
| Average total loans | $318,784,000 | 1,565 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8115% | 4,462 |
| Cost of funding earning assets | 0.6786% | 2,221 |
| Net interest margin | 3.1329% | 4,603 |
| Noninterest income to average assets | 0.7438% | 1,676 |
| Noninterest expense to average assets | 2.1260% | 4,506 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6111% | 847 |
| Return on assets (ROA) | 1.4788% | 1,169 |
| Pretax return on assets | 1.4802% | 1,842 |
| Return on Equity (ROE) | 15.8013% | 673 |
| Retained earnings to average equity (ytd only) | 5.1907% | 2,667 |
| Net charge-offs to loans | 0.0092% | 3,363 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 282.7241% | 345 |
| Efficiency ratio | 56.3417% | 4,366 |
| Assets per employee ($millions) | 5.4949% | 1,959 |
| Cash dividends to net income (ytd only)* | 67.1499% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7434% | 770 |
| Loan loss allowance to noncurrent loans | 479.4246% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.2803% | 3,461 |
| Noncurrent loans to loans | 0.3636% | 3,232 |
| Net loans and leases to total assets | 60.0015% | 3,777 |
| Net loans and leases to deposits | 66.7025% | 4,063 |
| Net loans and leases to core deposits | 69.2894% | 4,146 |
| Total domestic deposits to total assets | 89.9540% | 492 |
| Equity capital to assets | 9.8948% | 3,767 |
| Core capital (leverage) ratio | 10.4125% | 3,128 |
| Tier 1 risk-based capital ratio | 16.7270% | 2,160 |
| Total risk-based capital ratio | 17.9313% | 2,123 |
| Memoranda: | ||
| Average total assets | $508,458,000 | 1,390 |
| Average earning assets | $486,028,400 | 1,346 |
| Average equity | $47,584,800 | 1,580 |
| Average total loans | $313,575,600 | 1,538 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7561% | 4,540 |
| Cost of funding earning assets | 0.6524% | 2,140 |
| Net interest margin | 3.1037% | 4,697 |
| Noninterest income to average assets | 0.6521% | 2,061 |
| Noninterest expense to average assets | 2.1014% | 4,551 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5159% | 1,158 |
| Return on assets (ROA) | 1.3379% | 1,722 |
| Pretax return on assets | 1.3398% | 2,469 |
| Return on Equity (ROE) | 14.5081% | 981 |
| Retained earnings to average equity (ytd only) | 0.0942% | 5,021 |
| Net charge-offs to loans | 0.1946% | 861 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 12.6148% | 2,440 |
| Efficiency ratio | 57.5180% | 4,183 |
| Assets per employee ($millions) | 5.4160% | 2,003 |
| Cash dividends to net income (ytd only)* | 99.3506% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6329% | 1,001 |
| Loan loss allowance to noncurrent loans | 387.4714% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.6942% | 2,118 |
| Noncurrent loans to loans | 0.4214% | 3,145 |
| Net loans and leases to total assets | 60.0171% | 3,842 |
| Net loans and leases to deposits | 66.3566% | 4,171 |
| Net loans and leases to core deposits | 69.9495% | 4,195 |
| Total domestic deposits to total assets | 90.4463% | 363 |
| Equity capital to assets | 9.2522% | 4,317 |
| Core capital (leverage) ratio | 10.0023% | 3,633 |
| Tier 1 risk-based capital ratio | 16.2243% | 2,366 |
| Total risk-based capital ratio | 17.4078% | 2,334 |
| Memoranda: | ||
| Average total assets | $506,442,000 | 1,397 |
| Average earning assets | $484,139,000 | 1,360 |
| Average equity | $46,703,750 | 1,604 |
| Average total loans | $313,114,500 | 1,544 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7052% | 4,570 |
| Cost of funding earning assets | 0.6219% | 2,091 |
| Net interest margin | 3.0833% | 4,763 |
| Noninterest income to average assets | 0.6975% | 1,882 |
| Noninterest expense to average assets | 2.1382% | 4,516 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5088% | 1,139 |
| Return on assets (ROA) | 1.2414% | 2,018 |
| Pretax return on assets | 1.2434% | 2,750 |
| Return on Equity (ROE) | 13.4763% | 1,214 |
| Retained earnings to average equity (ytd only) | -8.2069% | 5,387 |
| Net charge-offs to loans | 0.3185% | 503 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 7.6380% | 2,531 |
| Efficiency ratio | 58.0551% | 4,225 |
| Assets per employee ($millions) | 5.4910% | 1,884 |
| Cash dividends to net income (ytd only)* | 160.8987% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5659% | 1,189 |
| Loan loss allowance to noncurrent loans | 343.2082% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.7226% | 2,068 |
| Noncurrent loans to loans | 0.4563% | 3,072 |
| Net loans and leases to total assets | 61.8913% | 3,614 |
| Net loans and leases to deposits | 68.1763% | 4,003 |
| Net loans and leases to core deposits | 71.8596% | 4,019 |
| Total domestic deposits to total assets | 90.7812% | 310 |
| Equity capital to assets | 8.9781% | 4,580 |
| Core capital (leverage) ratio | 9.8398% | 3,746 |
| Tier 1 risk-based capital ratio | 14.8368% | 2,953 |
| Total risk-based capital ratio | 16.0671% | 2,888 |
| Memoranda: | ||
| Average total assets | $505,555,000 | 1,398 |
| Average earning assets | $483,966,330 | 1,361 |
| Average equity | $46,570,670 | 1,616 |
| Average total loans | $313,945,670 | 1,542 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6445% | 4,611 |
| Cost of funding earning assets | 0.5923% | 2,103 |
| Net interest margin | 3.0522% | 4,792 |
| Noninterest income to average assets | 0.6553% | 2,016 |
| Noninterest expense to average assets | 2.1296% | 4,585 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4433% | 1,214 |
| Return on assets (ROA) | 1.4322% | 1,257 |
| Pretax return on assets | 1.4322% | 1,893 |
| Return on Equity (ROE) | 15.3499% | 741 |
| Retained earnings to average equity (ytd only) | -27.6826% | 5,546 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0474% | 4,209 |
| Assets per employee ($millions) | 5.4136% | 2,017 |
| Cash dividends to net income (ytd only)* | 280.3443% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7516% | 863 |
| Loan loss allowance to noncurrent loans | 414.7037% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.9295% | 1,701 |
| Noncurrent loans to loans | 0.4224% | 3,271 |
| Net loans and leases to total assets | 62.9405% | 3,428 |
| Net loans and leases to deposits | 69.2529% | 3,851 |
| Net loans and leases to core deposits | 71.9430% | 3,966 |
| Total domestic deposits to total assets | 90.8850% | 355 |
| Equity capital to assets | 8.9311% | 4,629 |
| Core capital (leverage) ratio | 9.6371% | 3,921 |
| Tier 1 risk-based capital ratio | 13.8839% | 3,441 |
| Total risk-based capital ratio | 15.1383% | 3,354 |
| Memoranda: | ||
| Average total assets | $503,000,000 | 1,415 |
| Average earning assets | $480,828,500 | 1,381 |
| Average equity | $46,932,000 | 1,612 |
| Average total loans | $310,376,000 | 1,557 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5890% | 4,598 |
| Cost of funding earning assets | 0.5059% | 2,279 |
| Net interest margin | 3.0832% | 4,722 |
| Noninterest income to average assets | 0.8050% | 1,549 |
| Noninterest expense to average assets | 2.1022% | 4,758 |
| Loan and lease loss provision to assets | 0.0582% | 3,068 |
| Net operating income to assets | 1.5902% | 664 |
| Return on assets (ROA) | 1.5906% | 681 |
| Pretax return on assets | 1.5926% | 1,312 |
| Return on Equity (ROE) | 17.1560% | 379 |
| Retained earnings to average equity (ytd only) | 5.0301% | 2,108 |
| Net charge-offs to loans | -0.0422% | 5,143 |
| Credit loss provision to net charge-offs | -250.0000% | 4,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5039% | 4,813 |
| Assets per employee ($millions) | 5.7040% | 1,749 |
| Cash dividends to net income (ytd only)* | 70.6800% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8115% | 766 |
| Loan loss allowance to noncurrent loans | 158.5772% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.9494% | 1,635 |
| Noncurrent loans to loans | 1.1424% | 1,554 |
| Net loans and leases to total assets | 58.3657% | 3,977 |
| Net loans and leases to deposits | 64.7407% | 4,277 |
| Net loans and leases to core deposits | 67.0612% | 4,362 |
| Total domestic deposits to total assets | 90.1529% | 515 |
| Equity capital to assets | 9.7137% | 4,016 |
| Core capital (leverage) ratio | 9.8683% | 3,617 |
| Tier 1 risk-based capital ratio | 15.3449% | 2,684 |
| Total risk-based capital ratio | 16.5998% | 2,619 |
| Memoranda: | ||
| Average total assets | $515,896,800 | 1,354 |
| Average earning assets | $493,196,600 | 1,321 |
| Average equity | $47,831,600 | 1,571 |
| Average total loans | $284,542,800 | 1,634 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5280% | 4,745 |
| Cost of funding earning assets | 0.4911% | 2,346 |
| Net interest margin | 3.0369% | 4,836 |
| Noninterest income to average assets | 0.7984% | 1,603 |
| Noninterest expense to average assets | 2.0645% | 4,816 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6373% | 652 |
| Return on assets (ROA) | 1.6378% | 675 |
| Pretax return on assets | 1.6396% | 1,282 |
| Return on Equity (ROE) | 17.8767% | 342 |
| Retained earnings to average equity (ytd only) | 1.5355% | 4,807 |
| Net charge-offs to loans | -0.0573% | 5,208 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2202% | 4,823 |
| Assets per employee ($millions) | 5.7931% | 1,656 |
| Cash dividends to net income (ytd only)* | 91.4105% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7934% | 859 |
| Loan loss allowance to noncurrent loans | 150.0143% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.7642% | 2,224 |
| Noncurrent loans to loans | 1.1955% | 1,602 |
| Net loans and leases to total assets | 56.1563% | 4,223 |
| Net loans and leases to deposits | 62.4681% | 4,482 |
| Net loans and leases to core deposits | 64.4636% | 4,587 |
| Total domestic deposits to total assets | 89.8960% | 504 |
| Equity capital to assets | 9.8151% | 4,129 |
| Core capital (leverage) ratio | 9.5813% | 4,050 |
| Tier 1 risk-based capital ratio | 15.1462% | 2,862 |
| Total risk-based capital ratio | 16.4007% | 2,790 |
| Memoranda: | ||
| Average total assets | $516,531,000 | 1,369 |
| Average earning assets | $494,130,500 | 1,327 |
| Average equity | $47,323,000 | 1,602 |
| Average total loans | $279,390,000 | 1,668 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4709% | 4,834 |
| Cost of funding earning assets | 0.4769% | 2,356 |
| Net interest margin | 2.9940% | 4,926 |
| Noninterest income to average assets | 0.8632% | 1,382 |
| Noninterest expense to average assets | 2.1269% | 4,724 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5949% | 718 |
| Return on assets (ROA) | 1.5868% | 745 |
| Pretax return on assets | 1.5887% | 1,381 |
| Return on Equity (ROE) | 17.7344% | 350 |
| Retained earnings to average equity (ytd only) | -7.2558% | 5,592 |
| Net charge-offs to loans | -0.0261% | 4,898 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6001% | 4,755 |
| Assets per employee ($millions) | 5.8954% | 1,535 |
| Cash dividends to net income (ytd only)* | 140.9135% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7399% | 994 |
| Loan loss allowance to noncurrent loans | 186.1433% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.6257% | 2,689 |
| Noncurrent loans to loans | 0.9347% | 2,102 |
| Net loans and leases to total assets | 56.0075% | 4,226 |
| Net loans and leases to deposits | 61.8675% | 4,511 |
| Net loans and leases to core deposits | 63.7145% | 4,621 |
| Total domestic deposits to total assets | 90.5282% | 350 |
| Equity capital to assets | 9.2391% | 4,683 |
| Core capital (leverage) ratio | 9.1139% | 4,598 |
| Tier 1 risk-based capital ratio | 14.2021% | 3,309 |
| Total risk-based capital ratio | 15.4558% | 3,227 |
| Memoranda: | ||
| Average total assets | $518,775,670 | 1,370 |
| Average earning assets | $495,660,670 | 1,328 |
| Average equity | $46,418,330 | 1,631 |
| Average total loans | $275,349,670 | 1,691 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3828% | 4,966 |
| Cost of funding earning assets | 0.4600% | 2,431 |
| Net interest margin | 2.9229% | 5,043 |
| Noninterest income to average assets | 0.7209% | 1,865 |
| Noninterest expense to average assets | 2.1166% | 4,814 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3972% | 1,007 |
| Return on assets (ROA) | 1.3972% | 1,038 |
| Pretax return on assets | 1.3972% | 1,904 |
| Return on Equity (ROE) | 15.8733% | 540 |
| Retained earnings to average equity (ytd only) | -34.9353% | 5,801 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6884% | 4,498 |
| Assets per employee ($millions) | 5.4344% | 1,950 |
| Cash dividends to net income (ytd only)* | 320.0883% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8736% | 829 |
| Loan loss allowance to noncurrent loans | 455.7538% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.7108% | 2,514 |
| Noncurrent loans to loans | 0.4111% | 3,621 |
| Net loans and leases to total assets | 52.3794% | 4,481 |
| Net loans and leases to deposits | 57.3612% | 4,742 |
| Net loans and leases to core deposits | 58.7412% | 4,841 |
| Total domestic deposits to total assets | 91.3149% | 206 |
| Equity capital to assets | 8.5075% | 5,238 |
| Core capital (leverage) ratio | 8.6708% | 5,079 |
| Tier 1 risk-based capital ratio | 14.0393% | 3,450 |
| Total risk-based capital ratio | 15.2936% | 3,366 |
| Memoranda: | ||
| Average total assets | $518,767,000 | 1,369 |
| Average earning assets | $495,677,500 | 1,329 |
| Average equity | $45,661,500 | 1,658 |
| Average total loans | $265,170,500 | 1,753 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3325% | 5,114 |
| Cost of funding earning assets | 0.4386% | 2,622 |
| Net interest margin | 2.8939% | 5,150 |
| Noninterest income to average assets | 0.7749% | 1,854 |
| Noninterest expense to average assets | 1.9680% | 5,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.5732% | 723 |
| Return on assets (ROA) | 1.5842% | 735 |
| Pretax return on assets | 1.5862% | 1,330 |
| Return on Equity (ROE) | 17.0011% | 404 |
| Retained earnings to average equity (ytd only) | 4.7928% | 2,478 |
| Net charge-offs to loans | 0.0549% | 2,943 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 56.9574% | 930 |
| Efficiency ratio | 54.9903% | 5,151 |
| Assets per employee ($millions) | 5.8523% | 1,583 |
| Cash dividends to net income (ytd only)* | 71.8088% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9824% | 679 |
| Loan loss allowance to noncurrent loans | 446.5035% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.7190% | 2,575 |
| Noncurrent loans to loans | 0.4440% | 3,555 |
| Net loans and leases to total assets | 47.9500% | 4,902 |
| Net loans and leases to deposits | 52.8164% | 5,074 |
| Net loans and leases to core deposits | 54.5770% | 5,120 |
| Total domestic deposits to total assets | 90.7861% | 352 |
| Equity capital to assets | 9.0874% | 4,723 |
| Core capital (leverage) ratio | 9.1997% | 4,480 |
| Tier 1 risk-based capital ratio | 15.8000% | 2,630 |
| Total risk-based capital ratio | 17.0549% | 2,554 |
| Memoranda: | ||
| Average total assets | $509,849,800 | 1,346 |
| Average earning assets | $487,711,000 | 1,298 |
| Average equity | $47,508,800 | 1,591 |
| Average total loans | $256,820,200 | 1,753 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3471% | 5,130 |
| Cost of funding earning assets | 0.4336% | 2,697 |
| Net interest margin | 2.9134% | 5,163 |
| Noninterest income to average assets | 0.7275% | 2,051 |
| Noninterest expense to average assets | 1.8983% | 5,379 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6159% | 708 |
| Return on assets (ROA) | 1.6306% | 721 |
| Pretax return on assets | 1.6325% | 1,297 |
| Return on Equity (ROE) | 17.3875% | 405 |
| Retained earnings to average equity (ytd only) | 1.0797% | 5,064 |
| Net charge-offs to loans | 0.0343% | 2,949 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 92.9523% | 697 |
| Efficiency ratio | 53.4273% | 5,278 |
| Assets per employee ($millions) | 5.6756% | 1,695 |
| Cash dividends to net income (ytd only)* | 93.7904% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9839% | 745 |
| Loan loss allowance to noncurrent loans | 162.7827% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.7704% | 2,621 |
| Noncurrent loans to loans | 1.2187% | 1,839 |
| Net loans and leases to total assets | 49.5810% | 4,850 |
| Net loans and leases to deposits | 55.1190% | 5,048 |
| Net loans and leases to core deposits | 56.2713% | 5,138 |
| Total domestic deposits to total assets | 89.9527% | 500 |
| Equity capital to assets | 9.7881% | 4,371 |
| Core capital (leverage) ratio | 9.0551% | 4,771 |
| Tier 1 risk-based capital ratio | 15.3331% | 2,901 |
| Total risk-based capital ratio | 16.5887% | 2,830 |
| Memoranda: | ||
| Average total assets | $505,636,000 | 1,363 |
| Average earning assets | $483,955,750 | 1,313 |
| Average equity | $47,420,000 | 1,601 |
| Average total loans | $256,609,500 | 1,758 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3496% | 5,186 |
| Cost of funding earning assets | 0.4292% | 2,744 |
| Net interest margin | 2.9204% | 5,233 |
| Noninterest income to average assets | 0.6876% | 2,199 |
| Noninterest expense to average assets | 1.9533% | 5,364 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5246% | 853 |
| Return on assets (ROA) | 1.5310% | 888 |
| Pretax return on assets | 1.5330% | 1,576 |
| Return on Equity (ROE) | 16.5733% | 476 |
| Retained earnings to average equity (ytd only) | -8.4398% | 5,845 |
| Net charge-offs to loans | 0.0267% | 2,945 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 112.7059% | 517 |
| Efficiency ratio | 55.5581% | 5,192 |
| Assets per employee ($millions) | 5.7354% | 1,596 |
| Cash dividends to net income (ytd only)* | 150.9238% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9881% | 758 |
| Loan loss allowance to noncurrent loans | 200.6541% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.7654% | 2,689 |
| Noncurrent loans to loans | 0.9908% | 2,302 |
| Net loans and leases to total assets | 49.8073% | 4,854 |
| Net loans and leases to deposits | 55.1420% | 5,073 |
| Net loans and leases to core deposits | 56.2237% | 5,152 |
| Total domestic deposits to total assets | 90.3255% | 378 |
| Equity capital to assets | 9.4635% | 4,804 |
| Core capital (leverage) ratio | 8.8163% | 5,038 |
| Tier 1 risk-based capital ratio | 14.2170% | 3,487 |
| Total risk-based capital ratio | 15.4721% | 3,404 |
| Memoranda: | ||
| Average total assets | $502,022,670 | 1,375 |
| Average earning assets | $480,000,670 | 1,325 |
| Average equity | $46,375,670 | 1,635 |
| Average total loans | $255,060,330 | 1,768 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3468% | 5,229 |
| Cost of funding earning assets | 0.4283% | 2,780 |
| Net interest margin | 2.9185% | 5,293 |
| Noninterest income to average assets | 0.6037% | 2,507 |
| Noninterest expense to average assets | 1.9429% | 5,449 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4474% | 949 |
| Return on assets (ROA) | 1.4474% | 994 |
| Pretax return on assets | 1.4474% | 1,757 |
| Return on Equity (ROE) | 15.8710% | 548 |
| Retained earnings to average equity (ytd only) | -35.5258% | 6,045 |
| Net charge-offs to loans | -0.0032% | 4,184 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7104% | 5,127 |
| Assets per employee ($millions) | 5.5273% | 1,809 |
| Cash dividends to net income (ytd only)* | 323.8414% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0920% | 694 |
| Loan loss allowance to noncurrent loans | 202.9764% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.8724% | 2,510 |
| Noncurrent loans to loans | 1.0306% | 2,319 |
| Net loans and leases to total assets | 49.4025% | 4,852 |
| Net loans and leases to deposits | 54.2977% | 5,084 |
| Net loans and leases to core deposits | 55.2813% | 5,173 |
| Total domestic deposits to total assets | 90.9844% | 280 |
| Equity capital to assets | 8.8456% | 5,302 |
| Core capital (leverage) ratio | 8.7248% | 5,150 |
| Tier 1 risk-based capital ratio | 13.8570% | 3,783 |
| Total risk-based capital ratio | 15.1128% | 3,714 |
| Memoranda: | ||
| Average total assets | $494,942,500 | 1,396 |
| Average earning assets | $472,571,500 | 1,342 |
| Average equity | $45,139,000 | 1,670 |
| Average total loans | $251,434,500 | 1,787 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4496% | 5,043 |
| Cost of funding earning assets | 0.4289% | 2,858 |
| Net interest margin | 3.0207% | 5,084 |
| Noninterest income to average assets | 0.7544% | 1,959 |
| Noninterest expense to average assets | 2.1475% | 5,153 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4767% | 901 |
| Return on assets (ROA) | 1.4713% | 946 |
| Pretax return on assets | 1.4735% | 1,640 |
| Return on Equity (ROE) | 15.7197% | 586 |
| Retained earnings to average equity (ytd only) | 2.4464% | 4,325 |
| Net charge-offs to loans | -0.0564% | 5,591 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6297% | 5,076 |
| Assets per employee ($millions) | 5.4113% | 1,894 |
| Cash dividends to net income (ytd only)* | 84.4373% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0841% | 700 |
| Loan loss allowance to noncurrent loans | 693.3950% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.4858% | 3,690 |
| Noncurrent loans to loans | 0.3006% | 4,380 |
| Net loans and leases to total assets | 50.0810% | 4,863 |
| Net loans and leases to deposits | 55.3547% | 5,083 |
| Net loans and leases to core deposits | 56.1457% | 5,196 |
| Total domestic deposits to total assets | 90.4729% | 444 |
| Equity capital to assets | 9.3974% | 4,674 |
| Core capital (leverage) ratio | 9.3419% | 4,407 |
| Tier 1 risk-based capital ratio | 15.1185% | 3,124 |
| Total risk-based capital ratio | 16.3742% | 3,048 |
| Memoranda: | ||
| Average total assets | $466,861,800 | 1,441 |
| Average earning assets | $443,876,400 | 1,399 |
| Average equity | $43,696,800 | 1,684 |
| Average total loans | $255,103,600 | 1,699 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5095% | 4,958 |
| Cost of funding earning assets | 0.4268% | 2,941 |
| Net interest margin | 3.0826% | 5,008 |
| Noninterest income to average assets | 0.7285% | 2,116 |
| Noninterest expense to average assets | 2.1789% | 5,101 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4773% | 957 |
| Return on assets (ROA) | 1.4680% | 1,009 |
| Pretax return on assets | 1.4701% | 1,762 |
| Return on Equity (ROE) | 15.7015% | 636 |
| Retained earnings to average equity (ytd only) | -2.2608% | 5,883 |
| Net charge-offs to loans | -0.0261% | 5,292 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9679% | 5,009 |
| Assets per employee ($millions) | 5.4055% | 1,865 |
| Cash dividends to net income (ytd only)* | 114.3984% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9683% | 961 |
| Loan loss allowance to noncurrent loans | 1,668.2848% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.4178% | 4,103 |
| Noncurrent loans to loans | 0.1180% | 5,155 |
| Net loans and leases to total assets | 52.1949% | 4,735 |
| Net loans and leases to deposits | 57.7257% | 5,015 |
| Net loans and leases to core deposits | 58.7120% | 5,146 |
| Total domestic deposits to total assets | 90.4188% | 414 |
| Equity capital to assets | 9.0996% | 5,210 |
| Core capital (leverage) ratio | 9.3493% | 4,513 |
| Tier 1 risk-based capital ratio | 14.5559% | 3,527 |
| Total risk-based capital ratio | 15.8112% | 3,446 |
| Memoranda: | ||
| Average total assets | $460,470,750 | 1,464 |
| Average earning assets | $437,622,750 | 1,420 |
| Average equity | $43,052,250 | 1,715 |
| Average total loans | $255,914,250 | 1,701 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5702% | 4,808 |
| Cost of funding earning assets | 0.4295% | 2,939 |
| Net interest margin | 3.1406% | 4,856 |
| Noninterest income to average assets | 0.7782% | 1,876 |
| Noninterest expense to average assets | 2.2329% | 5,021 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5200% | 866 |
| Return on assets (ROA) | 1.5200% | 910 |
| Pretax return on assets | 1.5222% | 1,583 |
| Return on Equity (ROE) | 16.1007% | 602 |
| Retained earnings to average equity (ytd only) | -11.2046% | 6,194 |
| Net charge-offs to loans | -0.0213% | 5,195 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8709% | 5,125 |
| Assets per employee ($millions) | 5.0104% | 2,264 |
| Cash dividends to net income (ytd only)* | 169.5906% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9395% | 1,088 |
| Loan loss allowance to noncurrent loans | 1,645.1923% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.9319% | 2,669 |
| Noncurrent loans to loans | 0.1179% | 5,289 |
| Net loans and leases to total assets | 56.9207% | 4,234 |
| Net loans and leases to deposits | 63.0416% | 4,615 |
| Net loans and leases to core deposits | 64.5093% | 4,775 |
| Total domestic deposits to total assets | 90.2907% | 540 |
| Equity capital to assets | 9.2569% | 4,947 |
| Core capital (leverage) ratio | 9.5357% | 4,234 |
| Tier 1 risk-based capital ratio | 13.9197% | 3,975 |
| Total risk-based capital ratio | 15.1746% | 3,906 |
| Memoranda: | ||
| Average total assets | $449,994,000 | 1,513 |
| Average earning assets | $426,536,670 | 1,476 |
| Average equity | $42,482,670 | 1,740 |
| Average total loans | $253,918,330 | 1,718 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5508% | 4,824 |
| Cost of funding earning assets | 0.4300% | 2,977 |
| Net interest margin | 3.1208% | 4,880 |
| Noninterest income to average assets | 0.6774% | 2,266 |
| Noninterest expense to average assets | 2.1663% | 5,236 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4657% | 912 |
| Return on assets (ROA) | 1.4657% | 969 |
| Pretax return on assets | 1.4657% | 1,676 |
| Return on Equity (ROE) | 15.3727% | 653 |
| Retained earnings to average equity (ytd only) | -39.0606% | 6,373 |
| Net charge-offs to loans | -0.0306% | 5,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0293% | 5,223 |
| Assets per employee ($millions) | 4.9470% | 2,425 |
| Cash dividends to net income (ytd only)* | 354.0904% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0271% | 1,028 |
| Loan loss allowance to noncurrent loans | 857.0234% | 622 |
| Noncurrent assets plus other real estate owned to assets | 1.1851% | 2,262 |
| Noncurrent loans to loans | 0.2365% | 4,930 |
| Net loans and leases to total assets | 55.0241% | 4,316 |
| Net loans and leases to deposits | 60.7287% | 4,690 |
| Net loans and leases to core deposits | 62.0431% | 4,836 |
| Total domestic deposits to total assets | 90.6063% | 492 |
| Equity capital to assets | 9.0143% | 5,270 |
| Core capital (leverage) ratio | 9.2968% | 4,577 |
| Tier 1 risk-based capital ratio | 13.6473% | 4,252 |
| Total risk-based capital ratio | 14.9029% | 4,154 |
| Memoranda: | ||
| Average total assets | $447,019,500 | 1,529 |
| Average earning assets | $423,226,500 | 1,492 |
| Average equity | $42,621,000 | 1,743 |
| Average total loans | $248,548,000 | 1,752 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7326% | 4,698 |
| Cost of funding earning assets | 0.4687% | 2,991 |
| Net interest margin | 3.2638% | 4,707 |
| Noninterest income to average assets | 0.7624% | 2,022 |
| Noninterest expense to average assets | 2.2718% | 5,187 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.5575% | 785 |
| Return on assets (ROA) | 1.5575% | 811 |
| Pretax return on assets | 1.5606% | 1,350 |
| Return on Equity (ROE) | 16.1483% | 606 |
| Retained earnings to average equity (ytd only) | 11.3742% | 345 |
| Net charge-offs to loans | 0.0314% | 4,201 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 85.7778% | 593 |
| Efficiency ratio | 58.6918% | 5,379 |
| Assets per employee ($millions) | 4.8776% | 2,490 |
| Cash dividends to net income (ytd only)* | 29.5645% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0903% | 962 |
| Loan loss allowance to noncurrent loans | 479.8872% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 1.3362% | 2,102 |
| Noncurrent loans to loans | 0.4356% | 4,340 |
| Net loans and leases to total assets | 53.8815% | 4,596 |
| Net loans and leases to deposits | 60.1312% | 4,889 |
| Net loans and leases to core deposits | 61.5082% | 5,039 |
| Total domestic deposits to total assets | 89.6065% | 922 |
| Equity capital to assets | 10.0621% | 4,029 |
| Core capital (leverage) ratio | 10.0176% | 3,546 |
| Tier 1 risk-based capital ratio | 15.2604% | 3,339 |
| Total risk-based capital ratio | 16.5165% | 3,285 |
| Memoranda: | ||
| Average total assets | $445,201,400 | 1,490 |
| Average earning assets | $418,774,000 | 1,468 |
| Average equity | $42,939,400 | 1,677 |
| Average total loans | $257,926,400 | 1,642 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7624% | 4,673 |
| Cost of funding earning assets | 0.4761% | 2,991 |
| Net interest margin | 3.2863% | 4,657 |
| Noninterest income to average assets | 0.7224% | 2,215 |
| Noninterest expense to average assets | 2.2313% | 5,278 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5780% | 792 |
| Return on assets (ROA) | 1.5780% | 816 |
| Pretax return on assets | 1.5813% | 1,384 |
| Return on Equity (ROE) | 16.5389% | 611 |
| Retained earnings to average equity (ytd only) | 10.1090% | 677 |
| Net charge-offs to loans | 0.0944% | 2,863 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 28.5622% | 1,415 |
| Efficiency ratio | 57.9356% | 5,456 |
| Assets per employee ($millions) | 4.9298% | 2,331 |
| Cash dividends to net income (ytd only)* | 38.8774% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9490% | 1,357 |
| Loan loss allowance to noncurrent loans | 1,767.1378% | 344 |
| Noncurrent assets plus other real estate owned to assets | 1.3782% | 2,241 |
| Noncurrent loans to loans | 0.1103% | 5,599 |
| Net loans and leases to total assets | 56.0807% | 4,322 |
| Net loans and leases to deposits | 62.3602% | 4,704 |
| Net loans and leases to core deposits | 63.8691% | 4,889 |
| Total domestic deposits to total assets | 89.9303% | 769 |
| Equity capital to assets | 9.5933% | 4,678 |
| Core capital (leverage) ratio | 9.7117% | 4,060 |
| Tier 1 risk-based capital ratio | 14.2265% | 4,066 |
| Total risk-based capital ratio | 15.4817% | 3,988 |
| Memoranda: | ||
| Average total assets | $445,535,500 | 1,501 |
| Average earning assets | $418,943,250 | 1,468 |
| Average equity | $42,508,750 | 1,702 |
| Average total loans | $261,341,250 | 1,625 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7763% | 4,603 |
| Cost of funding earning assets | 0.4865% | 2,960 |
| Net interest margin | 3.2898% | 4,630 |
| Noninterest income to average assets | 0.7617% | 1,999 |
| Noninterest expense to average assets | 2.2596% | 5,255 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5892% | 718 |
| Return on assets (ROA) | 1.5892% | 755 |
| Pretax return on assets | 1.5932% | 1,264 |
| Return on Equity (ROE) | 16.6869% | 588 |
| Retained earnings to average equity (ytd only) | 7.0017% | 1,775 |
| Net charge-offs to loans | 0.1095% | 2,572 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 24.5903% | 1,427 |
| Efficiency ratio | 58.0638% | 5,550 |
| Assets per employee ($millions) | 4.8385% | 2,417 |
| Cash dividends to net income (ytd only)* | 58.0408% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8866% | 1,610 |
| Loan loss allowance to noncurrent loans | 1,194.7867% | 447 |
| Noncurrent assets plus other real estate owned to assets | 1.4409% | 2,259 |
| Noncurrent loans to loans | 0.1579% | 5,540 |
| Net loans and leases to total assets | 58.9054% | 3,879 |
| Net loans and leases to deposits | 65.2908% | 4,351 |
| Net loans and leases to core deposits | 67.2232% | 4,529 |
| Total domestic deposits to total assets | 90.2201% | 702 |
| Equity capital to assets | 9.3446% | 4,928 |
| Core capital (leverage) ratio | 12.6303% | 1,323 |
| Tier 1 risk-based capital ratio | 13.1551% | 4,815 |
| Total risk-based capital ratio | 14.4095% | 4,742 |
| Memoranda: | ||
| Average total assets | $444,509,330 | 1,505 |
| Average earning assets | $417,653,000 | 1,472 |
| Average equity | $42,332,670 | 1,694 |
| Average total loans | $262,926,000 | 1,616 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8312% | 4,354 |
| Cost of funding earning assets | 0.5412% | 2,489 |
| Net interest margin | 3.2900% | 4,587 |
| Noninterest income to average assets | 0.7630% | 1,899 |
| Noninterest expense to average assets | 2.5924% | 4,296 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2300% | 1,398 |
| Return on assets (ROA) | 1.2300% | 1,452 |
| Pretax return on assets | 1.2360% | 2,329 |
| Return on Equity (ROE) | 13.5125% | 1,036 |
| Retained earnings to average equity (ytd only) | 13.5125% | 433 |
| Net charge-offs to loans | -0.0050% | 4,822 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7444% | 4,410 |
| Assets per employee ($millions) | 4.3950% | 3,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7671% | 2,139 |
| Loan loss allowance to noncurrent loans | 682.1256% | 722 |
| Noncurrent assets plus other real estate owned to assets | 1.6428% | 2,153 |
| Noncurrent loans to loans | 0.2591% | 5,326 |
| Net loans and leases to total assets | 59.5309% | 3,631 |
| Net loans and leases to deposits | 66.4012% | 4,042 |
| Net loans and leases to core deposits | 68.7190% | 4,237 |
| Total domestic deposits to total assets | 89.6534% | 1,276 |
| Equity capital to assets | 9.5070% | 4,491 |
| Core capital (leverage) ratio | 9.2671% | 4,622 |
| Tier 1 risk-based capital ratio | 12.8056% | 5,118 |
| Total risk-based capital ratio | 14.0582% | 5,062 |
| Memoranda: | ||
| Average total assets | $268,940,000 | 2,388 |
| Average earning assets | $250,575,500 | 2,353 |
| Average equity | $24,481,000 | 2,699 |
| Average total loans | $160,165,500 | 2,455 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8122% | 4,773 |
| Cost of funding earning assets | 0.6273% | 2,411 |
| Net interest margin | 3.1848% | 5,049 |
| Noninterest income to average assets | 0.8119% | 2,020 |
| Noninterest expense to average assets | 2.5127% | 4,729 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2972% | 1,258 |
| Return on assets (ROA) | 1.2968% | 1,308 |
| Pretax return on assets | 1.2976% | 2,164 |
| Return on Equity (ROE) | 14.4924% | 851 |
| Retained earnings to average equity (ytd only) | 11.4623% | 374 |
| Net charge-offs to loans | 0.0101% | 5,246 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 223.4000% | 202 |
| Efficiency ratio | 65.2572% | 4,691 |
| Assets per employee ($millions) | 4.5697% | 2,780 |
| Cash dividends to net income (ytd only)* | 20.9080% | 3,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7586% | 2,194 |
| Loan loss allowance to noncurrent loans | 498.7633% | 975 |
| Noncurrent assets plus other real estate owned to assets | 1.6460% | 2,244 |
| Noncurrent loans to loans | 0.3526% | 5,131 |
| Net loans and leases to total assets | 57.5173% | 4,118 |
| Net loans and leases to deposits | 63.5315% | 4,557 |
| Net loans and leases to core deposits | 65.6426% | 4,725 |
| Total domestic deposits to total assets | 90.5336% | 791 |
| Equity capital to assets | 8.7140% | 5,350 |
| Core capital (leverage) ratio | 8.9504% | 5,079 |
| Tier 1 risk-based capital ratio | 12.1323% | 5,539 |
| Total risk-based capital ratio | 13.3846% | 5,474 |
| Memoranda: | ||
| Average total assets | $258,168,600 | 2,452 |
| Average earning assets | $243,091,000 | 2,400 |
| Average equity | $23,101,800 | 2,810 |
| Average total loans | $149,056,000 | 2,574 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7945% | 4,874 |
| Cost of funding earning assets | 0.6460% | 2,398 |
| Net interest margin | 3.1485% | 5,154 |
| Noninterest income to average assets | 0.7559% | 2,337 |
| Noninterest expense to average assets | 2.3569% | 5,163 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3718% | 1,170 |
| Return on assets (ROA) | 1.3713% | 1,219 |
| Pretax return on assets | 1.3718% | 2,033 |
| Return on Equity (ROE) | 15.2166% | 768 |
| Retained earnings to average equity (ytd only) | 11.1418% | 555 |
| Net charge-offs to loans | -0.0675% | 6,397 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6108% | 5,050 |
| Assets per employee ($millions) | 4.3725% | 3,095 |
| Cash dividends to net income (ytd only)* | 26.7789% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8565% | 2,119 |
| Loan loss allowance to noncurrent loans | 400.4127% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 1.8910% | 2,147 |
| Noncurrent loans to loans | 0.4637% | 5,033 |
| Net loans and leases to total assets | 58.6571% | 3,902 |
| Net loans and leases to deposits | 64.9288% | 4,416 |
| Net loans and leases to core deposits | 66.8379% | 4,640 |
| Total domestic deposits to total assets | 90.3408% | 822 |
| Equity capital to assets | 8.7021% | 5,518 |
| Core capital (leverage) ratio | 8.5861% | 5,677 |
| Tier 1 risk-based capital ratio | 12.0523% | 5,753 |
| Total risk-based capital ratio | 13.3061% | 5,685 |
| Memoranda: | ||
| Average total assets | $254,165,750 | 2,508 |
| Average earning assets | $240,026,500 | 2,436 |
| Average equity | $22,904,250 | 2,860 |
| Average total loans | $146,189,000 | 2,633 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6722% | 5,233 |
| Cost of funding earning assets | 0.6501% | 2,492 |
| Net interest margin | 3.0221% | 5,513 |
| Noninterest income to average assets | 0.7485% | 2,422 |
| Noninterest expense to average assets | 2.2845% | 5,408 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3260% | 1,253 |
| Return on assets (ROA) | 1.3252% | 1,338 |
| Pretax return on assets | 1.3252% | 2,209 |
| Return on Equity (ROE) | 14.5318% | 899 |
| Retained earnings to average equity (ytd only) | 8.4260% | 1,322 |
| Net charge-offs to loans | -0.0379% | 6,158 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0535% | 5,009 |
| Assets per employee ($millions) | 4.5309% | 2,772 |
| Cash dividends to net income (ytd only)* | 42.0168% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8514% | 2,257 |
| Loan loss allowance to noncurrent loans | 199.0966% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 1.8528% | 2,338 |
| Noncurrent loans to loans | 0.9299% | 4,065 |
| Net loans and leases to total assets | 55.8700% | 4,317 |
| Net loans and leases to deposits | 61.5958% | 4,790 |
| Net loans and leases to core deposits | 63.2866% | 4,970 |
| Total domestic deposits to total assets | 90.7043% | 660 |
| Equity capital to assets | 8.4287% | 5,844 |
| Core capital (leverage) ratio | 8.4660% | 5,708 |
| Tier 1 risk-based capital ratio | 11.5407% | 6,085 |
| Total risk-based capital ratio | 12.7940% | 6,045 |
| Memoranda: | ||
| Average total assets | $251,437,670 | 2,542 |
| Average earning assets | $238,110,330 | 2,464 |
| Average equity | $22,929,000 | 2,872 |
| Average total loans | $142,652,670 | 2,678 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6470% | 5,316 |
| Cost of funding earning assets | 0.6675% | 2,502 |
| Net interest margin | 2.9795% | 5,625 |
| Noninterest income to average assets | 0.6367% | 2,952 |
| Noninterest expense to average assets | 2.2303% | 5,610 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2337% | 1,424 |
| Return on assets (ROA) | 1.2337% | 1,536 |
| Pretax return on assets | 1.2337% | 2,452 |
| Return on Equity (ROE) | 12.9750% | 1,179 |
| Retained earnings to average equity (ytd only) | 12.9750% | 565 |
| Net charge-offs to loans | -0.0146% | 5,580 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3849% | 4,945 |
| Assets per employee ($millions) | 4.7946% | 2,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0963% | 1,805 |
| Loan loss allowance to noncurrent loans | 347.5550% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 1.7712% | 2,639 |
| Noncurrent loans to loans | 0.6032% | 4,934 |
| Net loans and leases to total assets | 55.3852% | 4,187 |
| Net loans and leases to deposits | 61.8113% | 4,577 |
| Net loans and leases to core deposits | 63.7661% | 4,767 |
| Total domestic deposits to total assets | 89.6037% | 1,294 |
| Equity capital to assets | 9.6350% | 4,661 |
| Core capital (leverage) ratio | 9.4147% | 4,218 |
| Tier 1 risk-based capital ratio | 13.6871% | 4,732 |
| Total risk-based capital ratio | 14.9431% | 4,692 |
| Memoranda: | ||
| Average total assets | $241,228,500 | 2,661 |
| Average earning assets | $228,899,500 | 2,575 |
| Average equity | $22,936,500 | 2,933 |
| Average total loans | $136,603,500 | 2,781 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0796% | 5,017 |
| Cost of funding earning assets | 0.8127% | 2,563 |
| Net interest margin | 3.2669% | 5,370 |
| Noninterest income to average assets | 0.8013% | 2,258 |
| Noninterest expense to average assets | 2.4524% | 5,246 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.4284% | 1,050 |
| Return on assets (ROA) | 1.4343% | 1,160 |
| Pretax return on assets | 1.4364% | 1,916 |
| Return on Equity (ROE) | 15.7922% | 687 |
| Retained earnings to average equity (ytd only) | 10.7321% | 471 |
| Net charge-offs to loans | 0.3440% | 2,911 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 7.3006% | 2,636 |
| Efficiency ratio | 63.1590% | 5,047 |
| Assets per employee ($millions) | 4.9536% | 2,290 |
| Cash dividends to net income (ytd only)* | 32.0419% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0619% | 1,855 |
| Loan loss allowance to noncurrent loans | 362.7877% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 1.7514% | 2,772 |
| Noncurrent loans to loans | 0.5684% | 5,110 |
| Net loans and leases to total assets | 55.5159% | 4,377 |
| Net loans and leases to deposits | 62.1315% | 4,771 |
| Net loans and leases to core deposits | 63.9866% | 4,955 |
| Total domestic deposits to total assets | 89.3522% | 1,329 |
| Equity capital to assets | 9.3830% | 5,021 |
| Core capital (leverage) ratio | 9.1414% | 4,674 |
| Tier 1 risk-based capital ratio | 13.1320% | 5,014 |
| Total risk-based capital ratio | 14.3877% | 4,955 |
| Memoranda: | ||
| Average total assets | $239,356,000 | 2,642 |
| Average earning assets | $225,779,600 | 2,564 |
| Average equity | $21,738,600 | 3,004 |
| Average total loans | $136,317,400 | 2,768 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1380% | 5,047 |
| Cost of funding earning assets | 0.8466% | 2,572 |
| Net interest margin | 3.2914% | 5,421 |
| Noninterest income to average assets | 0.7351% | 2,546 |
| Noninterest expense to average assets | 2.2438% | 5,838 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5926% | 862 |
| Return on assets (ROA) | 1.5993% | 945 |
| Pretax return on assets | 1.6015% | 1,573 |
| Return on Equity (ROE) | 17.7591% | 532 |
| Retained earnings to average equity (ytd only) | 10.9311% | 698 |
| Net charge-offs to loans | 0.3000% | 2,940 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 9.3235% | 2,335 |
| Efficiency ratio | 58.4535% | 5,723 |
| Assets per employee ($millions) | 4.8031% | 2,436 |
| Cash dividends to net income (ytd only)* | 38.4481% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1718% | 1,764 |
| Loan loss allowance to noncurrent loans | 218.2545% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 2.2817% | 2,336 |
| Noncurrent loans to loans | 0.9951% | 4,460 |
| Net loans and leases to total assets | 57.4356% | 4,214 |
| Net loans and leases to deposits | 64.6774% | 4,631 |
| Net loans and leases to core deposits | 66.8931% | 4,856 |
| Total domestic deposits to total assets | 88.8032% | 1,533 |
| Equity capital to assets | 9.4046% | 5,328 |
| Core capital (leverage) ratio | 9.1304% | 4,866 |
| Tier 1 risk-based capital ratio | 12.8546% | 5,366 |
| Total risk-based capital ratio | 14.1113% | 5,327 |
| Memoranda: | ||
| Average total assets | $238,513,250 | 2,670 |
| Average earning assets | $224,900,750 | 2,590 |
| Average equity | $21,479,500 | 3,066 |
| Average total loans | $135,999,500 | 2,809 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1818% | 5,019 |
| Cost of funding earning assets | 0.8826% | 2,541 |
| Net interest margin | 3.2992% | 5,441 |
| Noninterest income to average assets | 0.7113% | 2,606 |
| Noninterest expense to average assets | 2.3225% | 5,672 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4977% | 992 |
| Return on assets (ROA) | 1.5036% | 1,105 |
| Pretax return on assets | 1.5061% | 1,832 |
| Return on Equity (ROE) | 16.9416% | 643 |
| Retained earnings to average equity (ytd only) | 16.9416% | 185 |
| Net charge-offs to loans | 0.4628% | 2,215 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 5.7412% | 2,762 |
| Efficiency ratio | 60.7556% | 5,457 |
| Assets per employee ($millions) | 4.7157% | 2,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1964% | 1,777 |
| Loan loss allowance to noncurrent loans | 280.5061% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 2.1681% | 2,586 |
| Noncurrent loans to loans | 0.7830% | 4,938 |
| Net loans and leases to total assets | 56.5226% | 4,392 |
| Net loans and leases to deposits | 63.8106% | 4,785 |
| Net loans and leases to core deposits | 66.8042% | 4,915 |
| Total domestic deposits to total assets | 88.5787% | 1,769 |
| Equity capital to assets | 9.3563% | 5,250 |
| Core capital (leverage) ratio | 8.9776% | 4,946 |
| Tier 1 risk-based capital ratio | 12.9762% | 5,202 |
| Total risk-based capital ratio | 14.2333% | 5,171 |
| Memoranda: | ||
| Average total assets | $239,566,330 | 2,663 |
| Average earning assets | $225,934,000 | 2,576 |
| Average equity | $21,261,330 | 3,082 |
| Average total loans | $135,273,330 | 2,833 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1190% | 5,389 |
| Cost of funding earning assets | 0.9210% | 2,509 |
| Net interest margin | 3.1980% | 5,786 |
| Noninterest income to average assets | 0.6312% | 3,052 |
| Noninterest expense to average assets | 2.1536% | 6,148 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4827% | 1,052 |
| Return on assets (ROA) | 1.4843% | 1,172 |
| Pretax return on assets | 1.4876% | 1,900 |
| Return on Equity (ROE) | 17.1800% | 646 |
| Retained earnings to average equity (ytd only) | 17.1800% | 300 |
| Net charge-offs to loans | -0.1128% | 6,833 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1716% | 5,748 |
| Assets per employee ($millions) | 4.9139% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5001% | 1,357 |
| Loan loss allowance to noncurrent loans | 222.0452% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 2.3680% | 2,511 |
| Noncurrent loans to loans | 1.1259% | 4,454 |
| Net loans and leases to total assets | 53.0782% | 4,871 |
| Net loans and leases to deposits | 59.3681% | 5,237 |
| Net loans and leases to core deposits | 62.6172% | 5,261 |
| Total domestic deposits to total assets | 89.4052% | 1,418 |
| Equity capital to assets | 8.6570% | 5,923 |
| Core capital (leverage) ratio | 8.4752% | 5,635 |
| Tier 1 risk-based capital ratio | 12.6092% | 5,512 |
| Total risk-based capital ratio | 13.8695% | 5,476 |
| Memoranda: | ||
| Average total assets | $241,456,000 | 2,652 |
| Average earning assets | $227,145,000 | 2,572 |
| Average equity | $20,861,500 | 3,124 |
| Average total loans | $134,777,000 | 2,857 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7268% | 4,138 |
| Cost of funding earning assets | 1.0936% | 2,713 |
| Net interest margin | 3.6332% | 4,602 |
| Noninterest income to average assets | 0.8855% | 1,724 |
| Noninterest expense to average assets | 2.5997% | 5,094 |
| Loan and lease loss provision to assets | 0.2404% | 3,805 |
| Net operating income to assets | 1.4628% | 898 |
| Return on assets (ROA) | 1.3670% | 1,181 |
| Pretax return on assets | 1.3692% | 1,884 |
| Return on Equity (ROE) | 15.8888% | 619 |
| Retained earnings to average equity (ytd only) | 7.4081% | 1,311 |
| Net charge-offs to loans | 0.3433% | 3,685 |
| Credit loss provision to net charge-offs | 116.4241% | 2,780 |
| Earnings coverage of net charge-offs (x) | 8.2599% | 2,180 |
| Efficiency ratio | 60.3888% | 5,687 |
| Assets per employee ($millions) | 4.9420% | 2,288 |
| Cash dividends to net income (ytd only)* | 53.3752% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4345% | 1,403 |
| Loan loss allowance to noncurrent loans | 903.2787% | 426 |
| Noncurrent assets plus other real estate owned to assets | 1.9864% | 2,986 |
| Noncurrent loans to loans | 0.2695% | 6,184 |
| Net loans and leases to total assets | 55.8533% | 4,733 |
| Net loans and leases to deposits | 62.5897% | 5,165 |
| Net loans and leases to core deposits | 65.8995% | 5,261 |
| Total domestic deposits to total assets | 89.2372% | 1,401 |
| Equity capital to assets | 8.6221% | 5,990 |
| Core capital (leverage) ratio | 8.2665% | 5,896 |
| Tier 1 risk-based capital ratio | 11.9584% | 5,864 |
| Total risk-based capital ratio | 13.2176% | 5,833 |
| Memoranda: | ||
| Average total assets | $232,985,000 | 2,696 |
| Average earning assets | $219,282,400 | 2,622 |
| Average equity | $20,045,600 | 3,138 |
| Average total loans | $140,130,000 | 2,783 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7941% | 4,039 |
| Cost of funding earning assets | 1.1274% | 2,782 |
| Net interest margin | 3.6667% | 4,495 |
| Noninterest income to average assets | 0.8054% | 2,031 |
| Noninterest expense to average assets | 2.7496% | 4,533 |
| Loan and lease loss provision to assets | 0.3219% | 2,963 |
| Net operating income to assets | 1.1848% | 1,695 |
| Return on assets (ROA) | 1.1641% | 1,880 |
| Pretax return on assets | 1.1664% | 2,758 |
| Return on Equity (ROE) | 13.5377% | 1,151 |
| Retained earnings to average equity (ytd only) | 13.5377% | 329 |
| Net charge-offs to loans | 0.3201% | 3,503 |
| Credit loss provision to net charge-offs | 165.1917% | 1,844 |
| Earnings coverage of net charge-offs (x) | 7.7433% | 2,305 |
| Efficiency ratio | 64.5653% | 4,970 |
| Assets per employee ($millions) | 4.7635% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5078% | 1,387 |
| Loan loss allowance to noncurrent loans | 132.9221% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 3.2430% | 1,964 |
| Noncurrent loans to loans | 1.8867% | 3,524 |
| Net loans and leases to total assets | 56.2792% | 4,800 |
| Net loans and leases to deposits | 63.5475% | 5,233 |
| Net loans and leases to core deposits | 67.2591% | 5,274 |
| Total domestic deposits to total assets | 88.5623% | 1,720 |
| Equity capital to assets | 8.8762% | 5,886 |
| Core capital (leverage) ratio | 8.4953% | 5,717 |
| Tier 1 risk-based capital ratio | 12.1318% | 5,794 |
| Total risk-based capital ratio | 13.3918% | 5,779 |
| Memoranda: | ||
| Average total assets | $231,927,250 | 2,709 |
| Average earning assets | $218,427,500 | 2,648 |
| Average equity | $19,943,750 | 3,149 |
| Average total loans | $141,212,750 | 2,788 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8547% | 3,845 |
| Cost of funding earning assets | 1.1661% | 2,796 |
| Net interest margin | 3.6886% | 4,316 |
| Noninterest income to average assets | 0.7997% | 2,015 |
| Noninterest expense to average assets | 2.6844% | 4,881 |
| Loan and lease loss provision to assets | 0.1740% | 4,187 |
| Net operating income to assets | 1.4123% | 1,053 |
| Return on assets (ROA) | 1.4123% | 1,119 |
| Pretax return on assets | 1.4149% | 1,765 |
| Return on Equity (ROE) | 16.6081% | 595 |
| Retained earnings to average equity (ytd only) | 16.6081% | 176 |
| Net charge-offs to loans | -0.4338% | 7,384 |
| Credit loss provision to net charge-offs | -64.7249% | 6,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8182% | 5,434 |
| Assets per employee ($millions) | 4.6366% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6462% | 1,247 |
| Loan loss allowance to noncurrent loans | 139.3510% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 3.5465% | 1,849 |
| Noncurrent loans to loans | 1.8989% | 3,611 |
| Net loans and leases to total assets | 59.2884% | 4,415 |
| Net loans and leases to deposits | 66.9960% | 4,852 |
| Net loans and leases to core deposits | 71.4804% | 4,891 |
| Total domestic deposits to total assets | 88.4955% | 1,855 |
| Equity capital to assets | 8.8314% | 5,778 |
| Core capital (leverage) ratio | 8.5423% | 5,488 |
| Tier 1 risk-based capital ratio | 11.8140% | 5,930 |
| Total risk-based capital ratio | 13.0763% | 5,903 |
| Memoranda: | ||
| Average total assets | $229,844,000 | 2,755 |
| Average earning assets | $216,448,670 | 2,685 |
| Average equity | $19,544,670 | 3,194 |
| Average total loans | $142,453,000 | 2,799 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8570% | 3,784 |
| Cost of funding earning assets | 1.2022% | 2,801 |
| Net interest margin | 3.6548% | 4,302 |
| Noninterest income to average assets | 0.7463% | 2,274 |
| Noninterest expense to average assets | 2.3631% | 6,010 |
| Loan and lease loss provision to assets | 0.1748% | 3,872 |
| Net operating income to assets | 1.6500% | 626 |
| Return on assets (ROA) | 1.6500% | 659 |
| Pretax return on assets | 1.6517% | 1,077 |
| Return on Equity (ROE) | 19.7904% | 340 |
| Retained earnings to average equity (ytd only) | 19.7904% | 167 |
| Net charge-offs to loans | -0.9141% | 7,477 |
| Credit loss provision to net charge-offs | -30.5810% | 5,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4038% | 6,456 |
| Assets per employee ($millions) | 4.4687% | 2,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5587% | 1,370 |
| Loan loss allowance to noncurrent loans | 115.2318% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 3.7731% | 1,790 |
| Noncurrent loans to loans | 2.2205% | 3,293 |
| Net loans and leases to total assets | 61.0568% | 4,065 |
| Net loans and leases to deposits | 68.7359% | 4,565 |
| Net loans and leases to core deposits | 73.6884% | 4,565 |
| Total domestic deposits to total assets | 88.8282% | 1,878 |
| Equity capital to assets | 8.5106% | 5,889 |
| Core capital (leverage) ratio | 8.1731% | 6,009 |
| Tier 1 risk-based capital ratio | 11.3820% | 6,190 |
| Total risk-based capital ratio | 12.6434% | 6,174 |
| Memoranda: | ||
| Average total assets | $228,850,500 | 2,780 |
| Average earning assets | $215,608,000 | 2,714 |
| Average equity | $19,080,000 | 3,246 |
| Average total loans | $143,087,000 | 2,824 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0891% | 4,136 |
| Cost of funding earning assets | 1.4808% | 2,753 |
| Net interest margin | 3.6083% | 4,783 |
| Noninterest income to average assets | 0.7558% | 2,511 |
| Noninterest expense to average assets | 2.8254% | 4,494 |
| Loan and lease loss provision to assets | 0.7893% | 2,073 |
| Net operating income to assets | 0.5150% | 4,024 |
| Return on assets (ROA) | 0.5175% | 4,171 |
| Pretax return on assets | 0.5196% | 4,551 |
| Return on Equity (ROE) | 5.9464% | 3,634 |
| Retained earnings to average equity (ytd only) | -7.2839% | 6,477 |
| Net charge-offs to loans | 0.8659% | 2,465 |
| Credit loss provision to net charge-offs | 146.6926% | 2,502 |
| Earnings coverage of net charge-offs (x) | 2.4280% | 3,916 |
| Efficiency ratio | 68.3827% | 4,484 |
| Assets per employee ($millions) | 4.5058% | 2,859 |
| Cash dividends to net income (ytd only)* | 222.4919% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2508% | 1,774 |
| Loan loss allowance to noncurrent loans | 148.0955% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 2.9200% | 2,399 |
| Noncurrent loans to loans | 1.5199% | 4,206 |
| Net loans and leases to total assets | 60.9851% | 4,494 |
| Net loans and leases to deposits | 68.1525% | 5,084 |
| Net loans and leases to core deposits | 71.8069% | 5,235 |
| Total domestic deposits to total assets | 89.4833% | 1,389 |
| Equity capital to assets | 8.1655% | 6,304 |
| Core capital (leverage) ratio | 7.4539% | 6,743 |
| Tier 1 risk-based capital ratio | 10.5557% | 6,662 |
| Total risk-based capital ratio | 11.8137% | 6,633 |
| Memoranda: | ||
| Average total assets | $238,830,800 | 2,647 |
| Average earning assets | $223,459,400 | 2,591 |
| Average equity | $20,785,600 | 3,043 |
| Average total loans | $148,405,000 | 2,803 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1214% | 4,211 |
| Cost of funding earning assets | 1.5374% | 2,739 |
| Net interest margin | 3.5840% | 4,949 |
| Noninterest income to average assets | 0.6813% | 2,935 |
| Noninterest expense to average assets | 2.3692% | 6,117 |
| Loan and lease loss provision to assets | 0.9872% | 1,512 |
| Net operating income to assets | 0.6658% | 3,568 |
| Return on assets (ROA) | 0.6686% | 3,715 |
| Pretax return on assets | 0.6708% | 4,343 |
| Return on Equity (ROE) | 7.5711% | 3,072 |
| Retained earnings to average equity (ytd only) | 7.5711% | 1,569 |
| Net charge-offs to loans | 1.0477% | 1,932 |
| Credit loss provision to net charge-offs | 151.7857% | 2,559 |
| Earnings coverage of net charge-offs (x) | 2.5451% | 3,890 |
| Efficiency ratio | 58.8704% | 6,126 |
| Assets per employee ($millions) | 4.5842% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1975% | 1,813 |
| Loan loss allowance to noncurrent loans | 204.2929% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 2.9175% | 2,487 |
| Noncurrent loans to loans | 1.0757% | 5,083 |
| Net loans and leases to total assets | 61.6011% | 4,614 |
| Net loans and leases to deposits | 68.8618% | 5,303 |
| Net loans and leases to core deposits | 72.1563% | 5,492 |
| Total domestic deposits to total assets | 89.4562% | 1,143 |
| Equity capital to assets | 9.4304% | 4,945 |
| Core capital (leverage) ratio | 8.5073% | 5,494 |
| Tier 1 risk-based capital ratio | 11.7679% | 5,672 |
| Total risk-based capital ratio | 13.0250% | 5,642 |
| Memoranda: | ||
| Average total assets | $241,089,250 | 2,667 |
| Average earning assets | $224,880,750 | 2,609 |
| Average equity | $21,291,000 | 3,008 |
| Average total loans | $149,664,000 | 2,816 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1060% | 4,420 |
| Cost of funding earning assets | 1.5625% | 2,887 |
| Net interest margin | 3.5435% | 5,073 |
| Noninterest income to average assets | 0.6677% | 2,911 |
| Noninterest expense to average assets | 2.4392% | 5,949 |
| Loan and lease loss provision to assets | 1.0225% | 1,426 |
| Net operating income to assets | 0.5067% | 4,297 |
| Return on assets (ROA) | 0.5092% | 4,431 |
| Pretax return on assets | 0.5108% | 4,875 |
| Return on Equity (ROE) | 5.8939% | 3,855 |
| Retained earnings to average equity (ytd only) | 5.8939% | 2,398 |
| Net charge-offs to loans | 1.2455% | 1,531 |
| Credit loss provision to net charge-offs | 132.8709% | 3,028 |
| Earnings coverage of net charge-offs (x) | 1.9893% | 4,036 |
| Efficiency ratio | 61.4398% | 5,783 |
| Assets per employee ($millions) | 4.8155% | 2,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9362% | 2,328 |
| Loan loss allowance to noncurrent loans | 187.1811% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 2.7444% | 2,640 |
| Noncurrent loans to loans | 1.0344% | 5,239 |
| Net loans and leases to total assets | 60.5278% | 4,958 |
| Net loans and leases to deposits | 69.5904% | 5,338 |
| Net loans and leases to core deposits | 74.7532% | 5,359 |
| Total domestic deposits to total assets | 86.9772% | 2,539 |
| Equity capital to assets | 8.6497% | 5,944 |
| Core capital (leverage) ratio | 8.2424% | 5,869 |
| Tier 1 risk-based capital ratio | 10.9844% | 6,249 |
| Total risk-based capital ratio | 12.2388% | 6,232 |
| Memoranda: | ||
| Average total assets | $243,520,330 | 2,669 |
| Average earning assets | $226,948,000 | 2,609 |
| Average equity | $21,038,670 | 3,037 |
| Average total loans | $150,466,330 | 2,827 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0872% | 4,593 |
| Cost of funding earning assets | 1.6222% | 2,817 |
| Net interest margin | 3.4650% | 5,310 |
| Noninterest income to average assets | 0.6384% | 3,012 |
| Noninterest expense to average assets | 2.0438% | 7,079 |
| Loan and lease loss provision to assets | 1.0970% | 1,119 |
| Net operating income to assets | 0.7093% | 3,396 |
| Return on assets (ROA) | 0.7093% | 3,505 |
| Pretax return on assets | 0.7110% | 4,195 |
| Return on Equity (ROE) | 8.2153% | 2,775 |
| Retained earnings to average equity (ytd only) | 8.2153% | 1,617 |
| Net charge-offs to loans | 2.1027% | 811 |
| Credit loss provision to net charge-offs | 84.3909% | 3,784 |
| Earnings coverage of net charge-offs (x) | 1.3909% | 3,914 |
| Efficiency ratio | 53.0621% | 7,052 |
| Assets per employee ($millions) | 4.7874% | 2,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6947% | 3,081 |
| Loan loss allowance to noncurrent loans | 250.1499% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 2.2434% | 3,220 |
| Noncurrent loans to loans | 0.6775% | 5,978 |
| Net loans and leases to total assets | 60.6827% | 5,000 |
| Net loans and leases to deposits | 70.1586% | 5,322 |
| Net loans and leases to core deposits | 75.7349% | 5,296 |
| Total domestic deposits to total assets | 86.4936% | 2,896 |
| Equity capital to assets | 8.8220% | 5,506 |
| Core capital (leverage) ratio | 8.2939% | 5,752 |
| Tier 1 risk-based capital ratio | 11.2469% | 5,905 |
| Total risk-based capital ratio | 12.4989% | 5,863 |
| Memoranda: | ||
| Average total assets | $242,484,000 | 2,738 |
| Average earning assets | $224,878,500 | 2,686 |
| Average equity | $20,936,500 | 3,070 |
| Average total loans | $149,906,000 | 2,900 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1170% | 6,014 |
| Cost of funding earning assets | 2.0940% | 2,492 |
| Net interest margin | 3.0230% | 6,587 |
| Noninterest income to average assets | 0.6485% | 3,307 |
| Noninterest expense to average assets | 2.3422% | 6,622 |
| Loan and lease loss provision to assets | 0.8323% | 2,641 |
| Net operating income to assets | 0.3370% | 4,386 |
| Return on assets (ROA) | 0.3765% | 4,327 |
| Pretax return on assets | 0.3785% | 4,556 |
| Return on Equity (ROE) | 4.3969% | 3,929 |
| Retained earnings to average equity (ytd only) | -10.9027% | 6,592 |
| Net charge-offs to loans | 1.6867% | 1,493 |
| Credit loss provision to net charge-offs | 75.7798% | 6,376 |
| Earnings coverage of net charge-offs (x) | 1.0661% | 5,049 |
| Efficiency ratio | 66.6705% | 5,255 |
| Assets per employee ($millions) | 4.9120% | 2,320 |
| Cash dividends to net income (ytd only)* | 347.9657% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7277% | 2,794 |
| Loan loss allowance to noncurrent loans | 122.5280% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 2.8090% | 2,492 |
| Noncurrent loans to loans | 1.4100% | 4,568 |
| Net loans and leases to total assets | 60.8412% | 5,215 |
| Net loans and leases to deposits | 69.4850% | 5,671 |
| Net loans and leases to core deposits | 83.2244% | 5,800 |
| Total domestic deposits to total assets | 87.5603% | 2,194 |
| Equity capital to assets | 8.4511% | 5,970 |
| Core capital (leverage) ratio | 7.7763% | 6,477 |
| Tier 1 risk-based capital ratio | 10.7404% | 6,164 |
| Total risk-based capital ratio | 11.9926% | 6,141 |
| Memoranda: | ||
| Average total assets | $248,104,600 | 2,629 |
| Average earning assets | $235,100,000 | 2,552 |
| Average equity | $21,242,400 | 3,047 |
| Average total loans | $161,559,000 | 2,734 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0986% | 6,271 |
| Cost of funding earning assets | 2.1737% | 2,536 |
| Net interest margin | 2.9249% | 6,792 |
| Noninterest income to average assets | 0.5961% | 3,741 |
| Noninterest expense to average assets | 2.3350% | 6,614 |
| Loan and lease loss provision to assets | 0.3983% | 3,924 |
| Net operating income to assets | 0.6491% | 3,413 |
| Return on assets (ROA) | 0.6583% | 3,426 |
| Pretax return on assets | 0.6604% | 3,985 |
| Return on Equity (ROE) | 7.6638% | 2,786 |
| Retained earnings to average equity (ytd only) | -12.6190% | 6,986 |
| Net charge-offs to loans | 0.0024% | 6,956 |
| Credit loss provision to net charge-offs | 24,766.6667% | 11 |
| Earnings coverage of net charge-offs (x) | 652.6500% | 42 |
| Efficiency ratio | 68.9895% | 4,788 |
| Assets per employee ($millions) | 4.9317% | 2,227 |
| Cash dividends to net income (ytd only)* | 264.6587% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4194% | 1,147 |
| Loan loss allowance to noncurrent loans | 60.4473% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 3.8234% | 1,690 |
| Noncurrent loans to loans | 4.0025% | 1,834 |
| Net loans and leases to total assets | 65.8663% | 4,460 |
| Net loans and leases to deposits | 76.9858% | 4,900 |
| Net loans and leases to core deposits | 95.5226% | 4,865 |
| Total domestic deposits to total assets | 85.5564% | 2,942 |
| Equity capital to assets | 8.4907% | 6,263 |
| Core capital (leverage) ratio | 7.8208% | 6,590 |
| Tier 1 risk-based capital ratio | 10.3510% | 6,620 |
| Total risk-based capital ratio | 11.6114% | 6,551 |
| Memoranda: | ||
| Average total assets | $248,730,750 | 2,634 |
| Average earning assets | $237,128,750 | 2,551 |
| Average equity | $21,364,000 | 3,049 |
| Average total loans | $163,935,500 | 2,726 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0681% | 6,553 |
| Cost of funding earning assets | 2.2550% | 2,554 |
| Net interest margin | 2.8131% | 6,988 |
| Noninterest income to average assets | 0.5540% | 4,005 |
| Noninterest expense to average assets | 2.3316% | 6,671 |
| Loan and lease loss provision to assets | 0.0962% | 6,207 |
| Net operating income to assets | 0.8034% | 2,842 |
| Return on assets (ROA) | 0.8170% | 2,885 |
| Pretax return on assets | 0.8194% | 3,609 |
| Return on Equity (ROE) | 9.4763% | 2,196 |
| Retained earnings to average equity (ytd only) | -20.7474% | 7,473 |
| Net charge-offs to loans | 0.0025% | 6,593 |
| Credit loss provision to net charge-offs | 6,000.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 562.5000% | 53 |
| Efficiency ratio | 72.1051% | 4,393 |
| Assets per employee ($millions) | 4.7617% | 2,381 |
| Cash dividends to net income (ytd only)* | 318.9401% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0221% | 1,524 |
| Loan loss allowance to noncurrent loans | 59.5767% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 3.0157% | 2,104 |
| Noncurrent loans to loans | 3.3941% | 2,075 |
| Net loans and leases to total assets | 66.6516% | 4,427 |
| Net loans and leases to deposits | 77.9437% | 4,882 |
| Net loans and leases to core deposits | 94.7138% | 5,036 |
| Total domestic deposits to total assets | 85.5125% | 3,011 |
| Equity capital to assets | 8.2857% | 6,360 |
| Core capital (leverage) ratio | 7.8306% | 6,577 |
| Tier 1 risk-based capital ratio | 10.1686% | 6,751 |
| Total risk-based capital ratio | 11.4251% | 6,672 |
| Memoranda: | ||
| Average total assets | $249,445,670 | 2,641 |
| Average earning assets | $237,604,000 | 2,544 |
| Average equity | $21,506,330 | 3,032 |
| Average total loans | $163,099,330 | 2,765 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0856% | 6,687 |
| Cost of funding earning assets | 2.3815% | 2,373 |
| Net interest margin | 2.7041% | 7,197 |
| Noninterest income to average assets | 0.4809% | 4,501 |
| Noninterest expense to average assets | 1.8836% | 7,577 |
| Loan and lease loss provision to assets | 0.1917% | 4,516 |
| Net operating income to assets | 0.9746% | 2,420 |
| Return on assets (ROA) | 1.0017% | 2,438 |
| Pretax return on assets | 1.0033% | 3,334 |
| Return on Equity (ROE) | 11.3992% | 1,847 |
| Retained earnings to average equity (ytd only) | -34.0522% | 7,902 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7277% | 6,107 |
| Assets per employee ($millions) | 5.0089% | 2,067 |
| Cash dividends to net income (ytd only)* | 398.7241% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1215% | 1,192 |
| Loan loss allowance to noncurrent loans | 39.0935% | 5,936 |
| Noncurrent assets plus other real estate owned to assets | 4.0899% | 1,247 |
| Noncurrent loans to loans | 5.4267% | 962 |
| Net loans and leases to total assets | 62.7631% | 5,195 |
| Net loans and leases to deposits | 69.7366% | 6,003 |
| Net loans and leases to core deposits | 84.1373% | 6,052 |
| Total domestic deposits to total assets | 90.0002% | 803 |
| Equity capital to assets | 8.3396% | 6,332 |
| Core capital (leverage) ratio | 8.0070% | 6,434 |
| Tier 1 risk-based capital ratio | 10.7464% | 6,143 |
| Total risk-based capital ratio | 12.0037% | 6,043 |
| Memoranda: | ||
| Average total assets | $250,365,000 | 2,639 |
| Average earning assets | $238,006,000 | 2,550 |
| Average equity | $22,001,500 | 2,973 |
| Average total loans | $160,429,000 | 2,838 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9971% | 5,559 |
| Cost of funding earning assets | 3.0474% | 1,697 |
| Net interest margin | 2.9497% | 7,033 |
| Noninterest income to average assets | 0.6807% | 3,240 |
| Noninterest expense to average assets | 2.0206% | 7,403 |
| Loan and lease loss provision to assets | 0.4252% | 3,155 |
| Net operating income to assets | 1.0416% | 2,396 |
| Return on assets (ROA) | 1.1926% | 1,726 |
| Pretax return on assets | 1.1947% | 2,661 |
| Return on Equity (ROE) | 12.4031% | 1,479 |
| Retained earnings to average equity (ytd only) | -5.1962% | 6,541 |
| Net charge-offs to loans | 0.1775% | 4,427 |
| Credit loss provision to net charge-offs | 361.5108% | 1,227 |
| Earnings coverage of net charge-offs (x) | 12.4892% | 2,237 |
| Efficiency ratio | 57.9049% | 6,717 |
| Assets per employee ($millions) | 5.0057% | 1,939 |
| Cash dividends to net income (ytd only)* | 141.8943% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0510% | 1,146 |
| Loan loss allowance to noncurrent loans | 49.1551% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 2.8340% | 1,657 |
| Noncurrent loans to loans | 4.1725% | 1,164 |
| Net loans and leases to total assets | 62.7193% | 5,505 |
| Net loans and leases to deposits | 69.7226% | 6,297 |
| Net loans and leases to core deposits | 84.6374% | 6,244 |
| Total domestic deposits to total assets | 89.9555% | 661 |
| Equity capital to assets | 9.2363% | 5,023 |
| Core capital (leverage) ratio | 8.9481% | 4,815 |
| Tier 1 risk-based capital ratio | 11.8818% | 4,919 |
| Total risk-based capital ratio | 13.1384% | 4,813 |
| Memoranda: | ||
| Average total assets | $236,371,000 | 2,686 |
| Average earning assets | $225,076,600 | 2,599 |
| Average equity | $22,728,200 | 2,880 |
| Average total loans | $156,620,000 | 2,824 |